In order to get online auto insurance quotes sent directly to you straight away so that you can begin driving your car as soon as you need, there are a number of things that you must first do. These include filling out the digital application form where you need to supply information about yourself, including your address, full name, your date of birth, your driver’s license number, how long you have had your license for, and what type of work you do for a profession. In some instances, you may also be asked for your credit tear.
Other details that you are required to input during the application process include the name of any other companies that you currently or have previously had car insurance with. If you have not had a continuous level of coverage, you might be deemed high risk by some providers.
You will also be asked for information about the car that you would like to get covered that includes things such as the vehicle identification number (VIN), and if you own it outright, or if it is a lease vehicle. Finally, you will be asked if the car has certain safety features built into it, such as if it has driver and passengers airbags, and if the brakes are anti locking.
Next you will be asked for what purposes you will be using your car for, i.e. personal or commercial, such as using it for Lyft or Uber Eats. This is because if you intend to use it for any sort of money making enterprise, you will need an extra level of cover, as most standard car insurance policies are just for personal use, i.e. going to the shops or picking the kids up from school.
Finally, you are asked what level of insurance coverage you require. The minimum level that you require varies from state to state, but in most instances it is best to go for the maximum level of cover that you are able to afford.
What Is Mandatory?
In every single US state apart from New Hampshire liability insurance, underinsured / uninsured motorist coverage insurance, and personal injury protection insurance are the absolute minimum that any driver is required to have in place in order to be able to legally drive on the roads. If you are ever caught by the police without these, you run the risk of either getting a fine, having your driver’s license revoked, or worst of all being sent to jail for it.
If you do live in New Hampshire then you are still required to own up to and take responsibility financially for any car cras you are in that was your fault. For that very reason, it is worth having the basic level of coverage that is mandatory in the rest of the country.
What Is Covered?
With basic liability insurance, if you are in a road traffic accident and are at fault for it, the insurance company will pay for any lawsuits that are file against you by any other drivers or passengers, damages to street furniture such as mail boxes and benches, injuries to other drivers and passengers, and damages to any other vehicles involved in the collision.
Comprehensive car insurance protects your vehicle if it is ever stolen, has any of the glass on it damaged, catches fire, is vandalised, is hit by a falling branch or tree, is damaged from kicked up rocks, is damaged during a natural disaster, or is damaged as a result of you hitting an animal on the road.
With collision insurance covers you in the event of a car accident, no matter who was at blame for it. It also protects your vehicle should it ever be accidentally overturned.
Underinsured / uninsured motorist coverage protects your vehicle should you ever be hit by the driver of an uninsured vehicle. This is something that is surprisingly common place, with around 13 % of drivers on the roads in the United States of America either not having the right level of insurance or having none at all. Further to this, you can also get Underinsured / uninsured motorist bodily injury insurance, which pays for any loss of wages or medical bills that you may incur from being hit by such a driver.
Personal injury protection (PIP) is a level of cover that is offered in most states and pays for any medical bills that you or your passenger(s) may have as a result of being in a road traffic accident regardless of whose fault it was. With this, you are also similarly protected should you be personally involved in a car crash in someone else’s vehicle.
These are all things that you need to consider when deciding on what level of converge that you want. Of course no one wants to pay more than what they have to, but you also do not want to be left not protected when these certain situations arise.
What Is Not Covered?
As already mentioned, a standard car insurance policy will not cover you if you intend to use your vehicle for commercial reasons, such as Doordash or Lyft. In these instances you will need to buy a specialist level of insurance that is more expensive than one that just covers you for personal use.
No insurance policy, regardless of how much cover it provides you with, will pay for mechanical repairs to your vehicle. This includes things such as changing the oil or putting on new disc brakes. The only instance in which a policy would, is if these things came about as a direct result from something that you are insured for, i.e. vandalism or an accident. If they are the result of general wear and tear, then you are not covered. If your car is new and still under warranty then you may be able to get some help with these expenses.