If you are the owner of a vehicle, then you should also be the owner of an auto insurance in Monterey policy. For most people this is just a routine step to owning a car. You buy the car, you register the car, and you insure the car. However, if this is your first car or your first time getting car insurance on your own you may not know what kind of auto insurance in Monterey you need. The key to figuring out what kind of auto insurance in Monterey you need is understand the different kinds of coverage you can get.
Collision Coverage
Collision coverage just means that if you get in an automobile accident your vehicle would be covered. This is regardless of if you have to replace it or repair it. This is also regardless of who was at fault for the accident.
Comprehensive Coverage
A hail storm can cause a lot of damage to the body and windows of a vehicle. Tree limbs can also do a real number on a vehicle. Comprehensive insurance will pay for the repairs to your vehicle caused by hail and/or tree limbs.
Personal Injury Coverage
When you get in an accident that is your fault, you are financially responsible for the other driver. This insurance coverage will pay the bill for you. This insurance coverage would also pick up the tab if the accident was someone else’s fault and they did not or could not foot the bil.
Uninsured Motorist Liability
The unfortunate truth is that you are never going to be able to control the other drivers of the road. If someone is driving without insurance and they wreck into you, they are never going to be financially responsible for the damages. This is because if they do not have insurance, chances are pretty good they do not have money to pay your repair bills either. Your uninsured motorist liability coverage would kick in and foot the bill.
When you are shopping for Auto Insurance in Monterey it is important to make sure you are thinking about other people just as much as you are thinking about yourself. This is because your auto insurance policy may end up paying for the repairs of someone else’s vehicle depending on the circumstance behind the accident.
Visit website for more details.
