Unfortunately, there are approximately 6 million car accidents each year in the US. The good news is that not all of these involve injury. The bad news is that most of these involve vehicle damage.
Car insurance is one of those things that, unless you’ve had to get it, you probably haven’t given much thought to. However, it’s absolutely vital if you want to legally drive anywhere in the United States.
Let’s take a look at everything need to know about car insurance for beginners.
What Does Car Insurance Cover?
Car insurance covers any damage you might cause, whether it’s to someone else or to your own car.
If another person claims you were the one at fault in an accident with their vehicle, or if your car gets damaged by something or someone outside of the realm of regular wear-and-tear (like a pothole), then your insurance can step in and help you pay for repairs.
This can save you potentially thousands of dollars.
What Does a Deductible Mean? Do I Have a Deductible?
A deductible is the amount of money you need to come up with on your own before your insurance will start paying out. So, if you had a $500 deductible and your airbag needed to be replaced after an accident, you’d be responsible for paying the first $500 of repair costs.
How Do I Pick Out Car Insurance?
Finding the best car insurance requires you to take a look at your needs. Some people don’t drive very often and thus are at a lower risk of an accident. Those who frequently drive long distances might want to pursue a policy that is more comprehensive.
You can check out this resource to learn more about a reputable insurance provider: directauto.com
I Want to Start Renting Cars For a Living. Do I Need Car Insurance?
Yes. In most states, if you’re going to be driving someone else’s car as part of their business (even if it’s just occasional), then you need to have car insurance of your own. This is usually called an ‘operator’s policy’ because it covers you as the operator of someone else’s vehicle.
Be sure that you keep this in mind, as you may inadvertently break laws if you do not.
How Do I File a Claim?
The sooner you file, the better. If your car has been in an accident or damaged by something not due to normal wear and tear, then it’s best to get your claim filed as soon as possible after the incident.
Otherwise, you may find that there is a delay when it comes to how long it takes you to get your compensation.
Car Insurance For Beginners Is Easier Than You Think
So, you won’t need to worry about common fears any longer.
By consulting this guide about car insurance for beginners, you’ll be able to choose the best car insurance for your situation. You can check out the rest of our blog for other lifestyle tips that you will find useful in the future.