Owning a car is a huge responsibility, which is why owners should learn everything about personal auto coverages. This will give them an idea of what their policy coverages are and protect them and other people financially should they get into an accident. In this article, we’ll take a look at that today. Read on to learn more.
Mandatory Auto Coverage
The coverage of auto insurance varies from state to state. Here are a few ones that almost all states mandate:
- Bodily Injury Liability – This ensures that you are held financially responsible for the damage and injuries caused by your driving or another person using your vehicle with your consent.
- Property Damage – This liability covers any commercial or residential damage that a driver or car owner caused in an accident. This can include damage to fences, poles, buildings, and more. Like the previous liability, this will only take effect only if you are the owner of the car or the driver.
Optional Auto Coverages
Mandatory coverages handle the damage caused by another person’s property or vehicle. In contrast, there are optional coverages, which are those that you can add to your policy. Here are a few examples:
- Comprehensive Coverage – Comprehensive coverage handles the damage to your vehicles resulting from theft, natural disasters, vandalism, and so on.
- Collision Coverage – This type of coverage handles the damage to your vehicles when you run into another vehicle, and other objects.
Is Your Family Covered?
Yes, the family members included in your insurance will be covered. On top of this, people who are not in your policy are also covered as long as they are driving your car with your consent.
Also, the personal auto coverages take effect when you use your vehicles for personal use like going on a trip and driving to work among other things. However, if you use your vehicle for commercial use such as for deliveries and transporting people, then these coverages are off the table.
So, if you’re looking for a trusted insurance company in ND, you should call Farmers Union Insurance. Our company is here to help you understand and find personal insurance, car insurance, and more. Get in touch with us today to request a quote.
