Auto Insurance FAQ – Personal Lines in Sausalito, CA
Part of being a responsible car owner is purchasing auto insurance. This process can be intimidating if it is your first time insuring a vehicle. It can help to review some frequently asked questions about auto insurance to help you make educated decisions about your coverage.
Auto Insurance FAQs
The following are common questions vehicle owners have about auto insurance:
- What does auto insurance cover? Auto insurance typically includes liability coverage, collision coverage, comprehensive coverage and uninsured/underinsured motorist coverage.
- How does auto insurance work? Once you have purchased an auto insurance policy, you will be responsible for making annual, quarterly or monthly premiums. In the event of an incident, you will file a claim with your insurer, who will then investigate and determine coverage eligibility.
- Is auto insurance required? Liability coverage is typically required by state law, although specific requirements vary. Comprehensive and collision coverage is typically not required, but it is strongly recommended.
- How does an auto insurance deductible work? A deductible is the amount you’re responsible for before your insurance coverage kicks in. Deductibles typically apply to comprehensive or collision insurance. When an auto insurance claim is filed, you must pay the deductible first, and then your insurance may help cover the rest. When you opt for a higher deductible, you can benefit from a lower premium, but you will need to pay more out-of-pocket if an incident occurs.
- Why is auto insurance important? Auto insurance is essential because it can offer financial security and legal compliance while driving. Without it, you would have to pay for costly claims out of pocket, and you may face legal fines and license suspension, among other legal penalties.
Learn More
For auto insurance guidance near you, contact Muzio & Rovero Insurance Services.