When purchasing auto coverage, it is important to have an understanding of the products and services you are paying for. Arana Insurance Solutions can help with this.
Liability car insurance is the part of a car insurance policy that provides financial protection for a driver who harms someone else or their property while operating a vehicle. Car liability insurance only covers injuries or damages to third parties and their property—not to the driver or the driver’s property, which may be separately covered by other parts of their policy. The two components of liability car insurance are bodily injury liability and property damage liability. Every state except New Hampshire requires drivers to have some degree of liability coverage.
This optional coverage reimburses you for damage to your car that occurs as a result of a collision with another vehicle or other object—e.g., a tree or guardrail—when you’re at fault. While collision coverage will not reimburse you for mechanical failure or normal wear-and-tear on your car, it will cover damage from potholes or from rolling your car.
This provides coverage against theft and damage caused by an incident other than a collision, such as fire, flood, vandalism, hail, falling rocks or trees and other hazards. This includes any impact with an animal.
Uninsured coverage protects you when an uninsured motorist hits you. On the other hand, underinsured coverage will come in handy when you are involved in an accident with a motorist whose cover cannot pay for the full extent of your damages.
Provides reimbursement for medical expenses for injuries to you or your passengers. It will also cover lost wages and other related expenses
Medical payments coverage will be your go-to when you or your passengers are injured in an accident. It will help you pay for your consultation fees or prescription expenses. Family members are also covered by this policy, helping them get proper medical care.
Arana Insurance Solutions has you covered if you are a first-time policy seeker or are simply looking to update your coverage. Call us today to get auto insurance designed with your needs in mind.
