Comprehensive coverage is a catch-all for incidents that aren’t considered “accidents” like hail, flooding, or vandalism damage. Comprehensive coverage may help protect your car against damages that are not related to a collision, including:
If your car is damaged or destroyed in an accident, collision insurance coverage will typically pay to fix or replace it. Types of covered accidents include hitting another car or hitting a stationary object, like a bridge or a tree. Collision insurance can also help if someone or something else hits your car while it's parked.
Uninsured Motorist insurance (UM) is coverage that protects you if you're involved in a collision with a driver who does not have liability insurance, or does not have enough liability insurance to pay for your damages.
Underinsured Motorist insurance (UIM) pays for injuries, such as medical expenses, that result from an accident caused by a driver who has too little insurance to cover all of the injuries.
Covered UM and UIM expenses for you and your passengers include:
Property damage liability coverage helps pay for the damage that you cause to another vehicle, or other types of property. If you are found responsible for a collision, property damage liability coverage would help cover damages you cause.
Liability car insurance covers damages to another person resulting from an accident you cause. One of the most basic types of auto insurance coverage, liability is also one of the few coverage options that's required in every state—though minimum limits of coverage vary, depending on where you live.
Liability car insurance covers damages to another person resulting from an accident you cause. One of the most basic types of auto insurance coverage, liability is also one of the few coverage options that's required in every state—though minimum limits of coverage vary, depending on where you live.
There’s a lot to take into consideration when choosing car insurance. It’s important to ensure you are getting the right insurance coverage for your car and your lifestyle, at a good price. But if you are a low-mileage or urban driver, traditional insurance policies are not for you.
There has been a huge rise in the number of urban drivers – those who typically use mass transit, carpool, telecommute, or otherwise get around town in ways other than a personal vehicle. But these drivers still need their cars on occasion, and until now, were forced to buy the same auto insurance policies that higher-mileage drivers purchase.
There is a new kind of insurance coverage that is made just for low-mileage drivers. With per-mile insurance, you pay a low monthly base rate plus a few cents per mile when you drive. At the end of the month, your bill is your base rate plus how many miles you drove at your per-mile rate. This revolutionary new kind of insurance is becoming wildly popular with drivers who typically drive less than 10,000 miles a year.
Here at Accident Data Center, since our focus is providing data about crashes across the nation, we have learned that every single accident involves an insurance policy. We all know we need insurance, but for all of the low-mileage drivers out there, it doesn't seem fair to have to pay the same amount as higher-mileage drivers.
