car indemnity covers damage to your vehicle and protects you financially if you ‘re liable for person else ‘s injuries or damages. Auto insurance can besides pay for medical bills if you or your passengers are injured in an accident or you ‘re hit by an uninsured or underinsured driver. Your policy protects you up to certain limits, agreed upon by you and your insurance company. car insurance is required in all states except New Hampshire ( New Hampshire hush requires fiscal responsibility if you cause an accident, so you ‘ll want to be by rights insured ). Driving without policy can result in a very well, license suspension, or even jail prison term. Progressive, and most other insurers, will ensure any policy you select meets your express ‘s requirements. Auto insurance covers a variety of mishaps that can occur on or off the road. Although coverages may vary by state of matter, these are the standard coverages on most car indemnity policies : UIM can pay for injuries caused to you and your passengers when you ‘re hit by a driver with no policy or not adequate coverage. UMPD can pay to repair or replace your vehicle if it ‘s damaged in an accident with an uninsured or underinsured driver.

checkup payments coverage is offered in most states, while personal wound protection is a broader coverage that is available only in the states that require it to be offered. Both binding medical bills if you or your passengers are injured in a car accident ( careless of fault ). Collision coverage covers your vehicle if it overturns or collides with another vehicle or object, including trees, guardrails, and fences. Comprehensive coverage protects against damage to your car from events beyond your manipulate, including larceny, windshield and glass damage, vandalism, falling trees and more. Auto indebtedness coverage is required in 49 states. If you ‘re found at fault in an car accident, liability coverage can pay for damage to other vehicles, price to objects, injuries to other drivers and their passengers, and lawsuits if you ‘re sued due to an accident. explore more car policy coverage options with Progressive.

What does car insurance not cover?

A basic cable car insurance policy wo n’t cover wear and tear, people who regularly drive your cable car but are n’t listed on your policy, and driving on a ridesharing platform. however, you can sometimes add coverage or purchase a freestanding policy or guarantee to cover the things your car policy does n’t. For example, you can add rideshare coverage to your progressive car policy .

How is car insurance priced?

Insurers consider many factors when pricing your car policy, including your historic period, driving history, location, and type of cable car. Learn more about car insurance cost factors and the average cost of car insurance .

What is a car insurance premium?

Your car insurance premium is the come of money you pay your car insurance company in central for coverage. You broadly have the option to pay your premium monthly or in wax .

What is a car insurance deductible?

Your deductible is the out-of-pocket expense you pay before your insurance company will cover your claim.

For exemplar, you have a $ 500 deductible, hit a telephone pole, and your car repairs cost $ 2,000. You ‘ll pay $ 500, and your insurance company pays the remaining $ 1,500. You can choose your deductible sum from the options offered by your insurance company .
The higher your deductible, the more of the title expense you ‘re responsible for. That means your out-of-pocket costs will be higher, but you ‘ll have a lower overall rate, and vice versa .

Does car insurance cover maintenance?

alimony, mechanical failures, and tire and tear to your vehicle are n’t covered by car indemnity. If your vehicle is disabled anywhere in the United States or Canada, Progressive ‘s wayside aid coverage can pay for a tow to the nearest mechanic .

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