When you need to buy Car Insurance in Honey Brook, you may be focused on just getting the insurance as fast as possible. In your hurry to get this protection, you might just miss out on some background research about the different types of insurance available to you. This article was created so you can get the most essential information on the types of Car Insurance in Honey Brook that are available to you today.
Just The Basics: Liability Coverage
The law requires that you have at least liability insurance if you are the owner of a vehicle. Liability coverage is meant primarily for the protection of other people, since it will only pay for damages to another person or another vehicle. This is an important coverage in terms of protecting yourself legally as well, though. If you cause damages to another person and/or another person’s vehicle, they have the legal right to pursue compensation from you. This could result in expensive court judgments against you. However, when you have liability coverage, the insurance will pay for the damages to others.
Covering Your Car: Comprehensive and Collision Coverage
Car Insurance in Honey Brook will usually also include coverage that is designed for the protection of your own vehicle. Sometimes these insurance types are sold together and then bundled with liability coverage for a well rounded policy. Comprehensive car insurance is designed to cover any damage that is classified as “other than accident.” Essentially, this means that if your vehicle is damaged in some way that does not involve you driving, the damage will fall under the comprehensive coverage part of your policy. This includes circumstances like weather damage, theft, flood damage, and vandalism.
Collision Car Insurance in Honey Brook covers the vehicle damage that occurs in accidents. This coverage encompasses not just car wrecks but also situations where you collide with other objects. For example, if you accidentally place your car in gear and drive it into an iron gate, this is considered a collision. It is important to have all of these types of vehicle insurance if you want to protect both yourself and others.
