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Car Insurance Basics
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How many weeks are in a year?
52
How many stars are on the American flag?
50
If your rental car is disabled because of a collision
Rental Car Insurance
The contract between you and your insurance company that outlines the details of your coverage
Policy
You are responsible to pay for the damages caused by your car.
Liable
No matter who is at fault, this insurance pays for the repair or replacement of YOUR car if it is damaged in a collision with another vehicle
Collision Insurance
Coverage for you caused by a driver who has no insurance or does not have enough insurance to cover YOUR medical loses
Uninsured / underinsured motorist
This insurance covers the damage if you hit a telephone pole, fire hydrant, another car or another's property
Property Damage Insurance
Covers the repair or replacement of parts of your car caused by natural disasters
Comprehensive Insurance
Considered the most important insurance and is required in most states. Includes both Bodily Injury and Property Damage
Liability Insurance
Purchased because many cannot afford the costs involved from a car accident
Auto Insurance
The amount the policy owner must pay before the insurance policy pays any money
Deductible
A request for money for the repair or replacement.
Claim
You are at fault and caused the accident
Negligent
The cost of an insurance plan. Usually paid quarterly or semi-monthly
Premium