Auto Insurance 101- At Fault States

This video breaks down how auto insurance works. We’ll explain every part of your coverage in a simple, easy to understand way.

The way auto insurance works is based on the state you live in.

There are two options: AT FAULTS STATES & NO FAULT STATES.

This video explains how AT FAULT STATES work.

Here’s the details:

Your auto insurance policy should cover:

Bodily Injury Liability (0:41)
Liability Coverage is the most important part of your auto policy. Why? Well, you travel around in a huge metal bullet just inches from strangers. Make contact and you’re their worst enemy. Hurting other people’s bodies is much more likely in your car than your house and that’s why auto liability coverage is required by law.

Property Damage Liability (1:06)
While an accident may or may not hurt a person, it will almost always hurt whatever was hit. When that’s someone else’s property this part of your policy covers. “No Fault” states complicate this, but liability coverage is important no matter how your state insurance laws are set up.

Un/Underinsured Motorist Coverage (6:13)
Some people break the law. Others just carry to lowest possible liability limits required by law. So when those people run into you, it’s a bummer. Fortunately, your Un/Underinsured motorist coverage is there to protect you.

Comprehensive/Collision (11:02)
This is what folks call “Full Coverage”. Really, these two items are all about coverage for your car. Comprehensive (sometimes called “Other than Collision”) refers to damage that is not the result of a traditional car accident. Tree limbs falling, garage fires, and impact with an animal fit this category. Collision is a regular old accident. Both have deductibles that you pay before coverage kicks in.

Rental Reimbursement (13:56)
Coverage for a rental while your car is being fixed. This only applies if the damage to your car is from a covered accident.

Roadside Assistance (14:44)
More and more companies are offering this service as a part of your auto insurance policy

There you have it!

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?nd on getting uninsured coverage and under ins coverage does it matter if you are in a no-fault state or a at fault state?