Auto Insurance FAQs

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1. What is liability insurance?

Answer: Liability insurance is a type of auto insurance that covers damages or injuries that you may cause to another person or their property while operating your vehicle.

2. What is comprehensive coverage?

Answer: Comprehensive coverage is a type of auto insurance that covers damages to your vehicle from non-collision events such as theft, vandalism, or natural disasters.

3. What is collision coverage?

Answer: Collision coverage is a type of auto insurance that covers damages to your vehicle from a collision with another vehicle or object.

4. What is personal injury protection (PIP)?

Answer: Personal injury protection (PIP) is a type of auto insurance that covers medical expenses and lost wages if you or your passengers are injured in an accident, regardless of who is at fault.

5. How does my credit score affect my auto insurance rates?

Answer: Many insurance companies use credit-based insurance scores to help determine your auto insurance rates. A higher credit score may result in lower rates, while a lower score may result in higher rates.

6. What is the difference between actual cash value and replacement cost coverage?

Answer: Actual cash value coverage pays out the current market value of your vehicle at the time of the loss, while replacement cost coverage pays out the cost to replace your vehicle with a new one of the same make and model.

7. What is an insurance deductible?

Answer: An insurance deductible is the amount you pay out of pocket before your insurance coverage kicks in. If you have a $500 deductible, for example, and you file a claim for $1,500 in damages, you will pay the first $500 and your insurance will cover the remaining $1,000.

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