What is car insurance? 


Car insurance is the coverage that is used to protect your vehicle in the case of an accident or damage caused by you or against you. If you are involved in a car accident, your insurance provider steps in and covers the cost of damages. If you are the one at fault, your provider will cover the cost of the damages that were caused by your vehicle. There will most likely be deductible in place, and once you cover the deductible your insurance provider will take care of the rest of the costs. The deductible will only apply when it’s for the cost on your own vehicle. 

When searching for the right car insurance policy, you must ensure that all of your needs are met. The coverages that you should apply will depend on the type of vehicle that you drive and how old your vehicle may be. If you drive a newer car or a more luxurious car, you will definitely want to cover it with all the coverages that apply to it. Finding the right insurance provider for your vehicle can be a hassle, but Quotehound is here to ensure that the process to finding the best fit for you is more simple and more effective. 

There are many advantages to owning a car insurance policy. For starters, you are covered incase of an accident occurring. If you are the one at fault for being involved in a collision accident or for causing property damage, your insurance will go into effect and take care of the damage costs.  If you are involved in an automobile accident and have to go to the hospital for medical treatments, you are covered to a certain extent by your insurance provider. With auto insurance, you have different types of policies available to you.
Collision 

Collision insurance covers you when your car is damaged in a collision based accident with another vehicle or an object, such as a wall or tree. Your insurance provider will take care of the damages of the collision accident after you have paid the deductible, if a deductible is in place. 



Liability 


Liability is the standard when it comes to basic auto insurance, and it is the one that is required to have by law. Liability insurance ensures that damages caused by are taken care of by your insurance provider. It does not cover any damages caused to you. It is important to know that there are 2 types of liability insurance, bodily injury and property damage. 



Personal Injury Protection (PIP insurance)


PIP insurance is an extension of car insurance that covers medical expenses, and also the loss of wages. PIP covers any medical costs that may be incurred by you or your passengers as a result of an accident. Usually referred to as the “no-fault” coverage because it helps with covering expenses regardless of who is at fault.



Uninsured/ Underinsured Motorist 


In a perfect world, everyone would have car insurance and with all the right coverages that apply. However, we don’t live in a perfect world. Therefore, you are at risk of being stuck with a major bill if you are hit by a driver who has no insurance (uninsured) or not enough insurance to cover the costs (underinsured). Uninsured and Underinsured Motorist coverage protects you against that risk.



Comprehensive 


Comprehensive, or also known as other than collision coverage is coverage for your vehicle for damages that are out of your control. Comprehensive applies to anything that might happen to your car other than a collision accident such as theft, vandalism, falling rocks,  branches, storm damage, flood damage, and more.



Quotehound’s Knowledge 


The Quotehound team is very well educated on all car insurance related topics. We are here to assist you with any and all questions that you may have regarding the right insurance for your vehicle and what coverages would be best for you. We take care of all the heavy lifting regarding finding the right provider so that you don’t have to. The best part of it all is that we will find the right match for you and what’s best for your budget in as little as 2 minutes. Receive your FREE QUOTE with Quotehound and start saving on your auto insurance today. 


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