Auto Insurance Terms To Be Familiar With Before Obtaining Quotes

If you are among the millions of Americans who have set out to get car insurance quotes online, you know that the task can be a daunting one. There seem to be more insurance agencies online than there are stars in the sky, and each has a well crafted message designed to sell you insurance. But, before you act on any of your car insurance quotes online, you owe it to yourself and your loved ones to be sure you understand the language these websites are using.

Here are some car insurance terms you need to become familiar with if you’re going to seek car insurance quotes online.

• Liability Insurance – Bodily Injuryr
This kind of coverage is mandatory in most States. It pays for the bodily injuries and/or death of others if you are found to be responsible for an accident. Additionally, this coverage provides you with money to pay a lawyer if the other people in the accident file lawsuits against you for things like medical bills, loss of income or pain and suffering.

Liability insurance covers injuries to the other people who were involved in the accident, not you and not the other people on your policy. Nor does it cover damage to your vehicle.

• Liability Insurance – Property Damager
Property damage insurance is also mandatory in most States. This part of the policy covers the damages done by your vehicle to the property of others. This could be their car, but could just as easily be the plate glass window of the store you ran into or the cow you hit and killed on the road.

This coverage will also provide you with legal defense if you are sued.

• Comprehensive Insurancer
This insurance is used to cover damages to your vehicle if it is damaged by a flood, fire or if it is stolen. It will pay to repair your car in these circumstances after your deductible – in other words, the cost of repairs less the amount of your deductible.

• Collision Insurancer
Collision insurance is designed to cover you when your car collides with another vehicle or object. This coverage will also fix your car minus your deductible amount. If yours is an older car you may wish to forgo this insurance since the amount of this coverage is usually limited to the value of your vehicle.

If your goal is to obtain car insurance quotes online, these terms will give you a good start toward understanding the many car insurance options available to you.