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Coverage Definitions

An Auto Insurance Score is like a credit score, this score is based on information found in a consumer's credit file. Insurance companies consider auto insurance scores when pricing policies. Having black marks on your credit report could easily bump up your auto insurance costs.

Emergency road side service is a part of an auto insurance policy that pays for the cost of having your car towed after it breaks down. This type of coverage is usually sold as a rider on an insurance policy.

A binder is a temporary insurance contract that provides proof of coverage until a permanent policy can be issued. Often times, companies on line will allow you to print your "binder" to be carried in your automobile's glove box in the event you are asked to prove insurance.

A bodily injury liability is the part of an auto insurance policy that pays for injuries you may cause to another driver or pedestrian. It also includes medical expenses and loss of wages suffered as a result of the accident.

A Declarations' Page is the front page of an auto insurance policy that lists the name of your insurance company, your policy number, your coverage, the cost of the coverage and your deductibles. This page also lists the vehicles insured on the policy and the (VIN) Vehicle Identification Number.

Collision: This part of an auto insurance policy pays to get your car fixed after a collision with another vehicle or an object, such as a telephone or fire pole. It is collision insurance that will get your insurance company to seek out another driver's insurance company to pay fro repairs if they were at fault. A deductible usually applies to this type of coverage.

Comprehensive coverage is that part of your auto insurance policy that covers damages to YOUR car caused by something other than a crash. Theft, fire, flood, or even a tree falling on it! A deductible usually applies to this type of coverage as well.

Deductible amount: This is the amount of money a policy holder must pay before an insurance company steps in and pays the rest. Deductible amounts range from $100 to $1,000 and the higher your deductible, the lower your insurance premiums will cost. A higher deductible also means you'll have to pay more money out of your own pocket if an accident, theft or another covered incident should occur.

No-fault insurance requires drivers to carry insurance for their own protection and places limitations on their ability to sue other drivers for damages. First, understand that some states are called "no-fault" states while others are "tort" or "choice" states. Although laws vary from state to state, the basic premise is that when you have an accident in either a tort or no-fault state, your insurance company pays for any injuries you sustain. When it comes to physical damage, if someone hits you in a no-fault state, your insurance company pays to fix your car and may then go after the other driver's insurance company if your company believes it was the other party's fault. Any other drivers involved will be covered by their auto insurance policies.

No-fault was designed as n antidote to the traditional tort system in which the wronged party would sue the driver responsible for the accident to recover for bodily injuries. Under a pure no-fault system, neither party would be able to sue the other. If you want to make sure you have the best coverage for your needs, you want to find out which kind of system your state has.