Here are some common questions that people ask about the policy. These may prove to be useful for you in the future.
Am I Covered if:
I rent a car? Normally, your personal car insurance policy is applicable also to a rental car if you are in the U.S.
As reported by the III (Insurance Information Institute), you may get free insurance if you rent a car and pay it with the use of specific credit cards.
I drive for a ride-sharing company? Your personal car insurance usually does not provide coverage if you drive your vehicle for business purposes. Ask your insurer if they have available optional coverage in order to fill the gaps of the insurance of ride-sharing company and your personal auto policy.
I rent a moving truck? It usually depends on the size of the truck. Your auto insurance may cover a moving truck but with certain limitations. Talk to your agent about what truck sizes are included in your policy.
I rent a car in another country? Every country has their own guidelines regarding auto insurance, but in general, your car insurance does not extend if you drive a car abroad.
What Does Auto Insurance Cover?
- Hit-and-run - Your auto insurance provides coverage if you are involved in a hit-and-run accident. Collision coverage gives financial assistance in paying for the cost of repair. For your medical bills, the medical payments coverage, uninsured and underinsured motorist coverage can also help you with the bills.
- A friend cause damage to your car - In this scenario, your auto insurance would be used for the payment of the wreckage and injury incurred by the accident. But, it all depends on the limitations and coverages of your policy.
- Windshield damage - In this case, full glass or comprehensive coverage can help you pay for the repair or replacement of the windshield.
- Hit a deer - This situation refers to a covered loss. If your car is damaged by hitting a deer, comprehensive coverage helps pay for the repair or replacement. If you crash into another car or object by trying to avoid hitting a deer, collision coverage would be the one to provide assistance.
These are some crucial explanations about car insurance policy. Do not hesitate to ask your insurance agent about any confusions you may still have. At Western Pacific Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. To learn more about how we can help you, please contact our agency at (702) 932-3105 or Click Here to request a free quote.