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Managing the Maze of Auto Insurance

The insurance industry can be a bit confusing and mysterious for many people.  That is one of the reasons that so many myths have built up about different aspect of insurance policy and coverage.  Uncovering the truth of automobile insurance coverage will help ease concerns and clear up the fog.

No fault insurance is not about putting blame on the accident.  It means that your insurance will pay no matter who is at fault for the accident.  There are many states that are considered "no fault" states.  This means that there is no need for a court battle in the event of an accident.  Each party involved in the accident is covered by their own insurance.

Insurance follows my car.  That means if a friend borrows your car and is then in an accident it is your automobile insurance that will cover the damages.  It will also be you that receives the mark on your insurance so that there is a possibility that the accident could cause your insurance premiums to go up.

Men pay more for insurance than women.  Males under the age of 25 years are statically more likely to be involved in an accident than women.  So they do end up paying more than their women counterparts.  It is the teenagers and elderly that pay the highest premiums.

Comprehensive is full coverage.  Although automobile insurance does not offer a true full coverage policy, the Comprehensive policy is close.  It covers your automobile in the event of theft, wind, hail, and even collisions with deer.  You need comprehensive, collision and liability to have true full coverage though.

Understanding automobile insurance coverage only takes a little research and maybe a few discussions with your insurance agent.  Be sure that you understand your coverage before you get behind the wheel.  After an accident, it’s too late to fix any gaps in your insurance.