When shopping for automobile insurance, you may find yourself really confused. There are many terms that you need to understand, so that you know exactly what your insurance covers (and what it doesn’t). Harris Insurance in Jasper, AL provides this guide in navigating auto insurance coverage.
Here are some terms that you need to know:
If you are ever involved in a car accident, you are going to submit a claim to your insurance in order to get payment.
This will cover expenses to fix your vehicle if you are involved in an accident.
This covers expenses that you may be facing for any reason, including storm damage and vandalism.
The liability part of your insurance covers any medical bills that you may be facing if you hurt someone when you were in an accident. It can also help you pay legal fees. Some plans will even cover property damage.
The deductible is the amount of money that you will have to pay, before your insurance pays out. This could be as low as five hundred dollars, though you may have a pretty high deductible. Usually, the higher your deductible, the less you will pay monthly. You have to find a balance between monthly pay and what you could pay if something happens to your car.
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There are many terms that you need to know when shopping for insurance. You need to know the different types of insurance, such as liability, comprehensive, and collision. You also need to understand what a deductible is and what that means for your monthly costs.
If you want to make sure that you are fully protected before you get behind the wheel, don’t hesitate to contact us today at Harris Insurance in Jasper, AL.