Car Insurance Articles
That harsh winter that hit parts of the U.S. is months gone, but it left something for drivers: potholes.
In April, a New York Times article named the winter “onslaught this year” as the reason for “pockmarked lunar landscapes rarely seen” in the Empire State.
If you’re an unfortunate motorist who’s driven into one of those pockmarks/potholes, you could be looking at bills for new tires, rims, an insurance deductible, and more.
But you’re not alone. It’s a familiar issue this time of year for drivers from Michigan to Pennsylvania to New Jersey.
A Coverage Walkthrough
Typically, you’ll address pothole-related vehicle damage with the collision coverage portion of your auto insurance policy.
A storm that recently pummeled several states in the Midwest has sparked an advisory from the AAA in Oklahoma, where the motoring group says used-car shoppers should be cautious.
A flood-damaged car is worth substantially less than other vehicles sold as used, so any unscrupulous salesman might conveniently forget a car’s history when you come calling to buy.
After wild weather hit neighboring states like Kansas, the AAA says, Oklahomans might see more cars with a shaky history hitting their used-car market soon — the trick is being able to spot one.
How They Get to the Used Car Lot
Much of a car’s post-crash future depends on its “fair market value” that is determined by a car insurer.
The End of Days has just begun, and it’s filled with the undead. You could find yourself awake in a hospital bed (“The Walking Dead,” “28 Days Later”), holed up in a house (“Night of the Living Dead,” “28 Weeks Later”), or faced with an evil zombie-producing corporation (“Resident Evil”). Whatever the scenario, getting in a car will improve your chances of survival.
But is your car covered? With the countless mishaps on post-apocalyptic streets that could lead to a need for coverage, let’s find out:
In Case of Litigation …
The key’s in the ignition, the car starts, and you’re relieved to finally be on the road. But will the zombie apocalypse stop sue-happy people? Provided it doesn’t, you’ll need to be protected against the many damaging things you just did: downing your neighbor’s fence, swiping him as he was running out his door, and making him miss work that day.
… You’ll Need: All kinds of liability insurance.
Another week of winter and yet another winter storm. Whether it was called Nemo or Q (as the latest system has been dubbed) the entire U.S. has seen some kind of inclement weather during this harsh season.
It’s even stopped the pros today at the links—in Arizona.
Such widespread wintertime weather means no driver in any state is safe (forecasts predict snow to also be dumped on Northeastern states this weekend), so it’s probably a good time to brush up on your insurance and car needs.
If you want to get insurance coverage that deals specifically with the damaging accidents that Old Man Winter brings, your basic liability policy won’t cut it.
It feels good to know that while you own your car, it is protected from all that life can throw at it because of your auto insurance policy. But how sure are you that it’s truly covered and protected? Just because you have auto insurance doesn’t mean that you will be covered from all mishaps that can occur, and there’s a big chance you could be paying for that mistake, literally. It is required by all states to either carry a minimum amount of car insurance (which varies from state to state) or to have sufficient assets to cover the payment of any damages caused by you, the driver. Many of these requirements are bare minimum and would not pay for a serious accident. Because of this, it is recommended by experts to carry a much higher amount.
Your auto insurance policy first begins with bodily injury liability and property damage liability amounts, often shown as X/Y/Z. The first two numbers represent the minimum amount for bodily injury liability per person and per accident, respectively, in thousands of dollars. The third number represents the minimum amount for any property damage in an accident in thousands of dollars.