When you get a new car, one of the first things you do is sign up for auto insurance. And when you get a driver’s license, you likely sign up for auto insurance as well. Auto insurance is designed to protect you and your vehicle in the event of an accident. But what happens if you’re not at fault? Many people assume that their driver’s license and auto insurance will cover them if they’re involved in an accident without their own fault. But this is not always the case. In fact, it can be quite the opposite. In this blog post, we will explore the basics of auto insurance and how it affects drivers without their own fault. From legal liability to coverage for property damage, read on to learn all there is to know about auto insurance and how it affects you.
What is Auto Insurance?
Auto insurance is a type of insurance that protects people and their vehicles. Auto insurance policies typically cover the car and driver, but they may also cover other property damage or injuries that occur while a vehicle is in use. The most important part of an auto policy is the deductible, which is the amount you have to pay before your coverage kicks in.
Types of Auto Insurance
There are a few types of auto insurance, each with its own benefits and drawbacks.
Permanent Auto Insurance: This is the type of insurance you get when you buy your car or lease it. It covers you for any damage to the car and any injuries to yourself or others that may result from driving the car. It also covers any property damage that occurs while the car is in your possession.
Temporary Auto Insurance: This is the type of insurance you need if you’re driving a borrowed car, rented car, or if your car has been stolen. It will cover you for damages to the vehicle and injuries to yourself or others that may occur while driving the car, but it won’t cover any property damage.
Collision Auto Insurance: This type of insurance covers damages to your vehicle caused by another vehicle. It will also cover damages to other vehicles, property damage, and injuries that may occur as a result of a collision.
Home Auto Insurance: This type of insurance helps protect your home if someone else drives into it while you’re not there and causes damage.
Coverage for Car Damage
Auto insurance policies typically only cover damage to the car itself, and not any injuries or losses that may occur as a result of the accident. This means that if you are injured in an auto accident, you may be responsible for paying out-of-pocket for medical bills, rehabilitation expenses, and lost wages. If you are the driver involved in an auto accident, your insurance policy may only cover the damages to your car. In some cases, your own negligence could lead to personal injury or property damage, which would then make you liable for payment.
Insurance companies generally offer comprehensive coverage for accidents, including both vehicle and driver liability. A full list of what is covered under a policy is typically found on the company’s website or brochure. It is important to read the entire policy before accepting it, as there can be exceptions that apply to particular situations. For example, some companies will not cover damage done while driving under the influence of alcohol or drugs.