Two Car Insurance Questions You May Want Addressed

A car accident can quickly become one of the most expensive experiences of your life. While your auto insurance is designed to protect you from most of these expenses, it is an unfortunate fact that many people lack the knowledge needed to understand their coverage. As a result, they may not have the protections that they want or need. Luckily, the following answers to routine insurance questions should help you to better ensure that you are protected from the financial ramifications of a car accident. 

Will Insurance Provide A Rental When You Will Be Without Your Car For Several Days?

Following a severe accident, it is common for a mechanic to need several days to repair all of the damage to your automobile. Unfortunately, there are many people that can not go without a vehicle for this long. While there are insurance policies available that will provide a rental car during this period of time, there are many people that simply assume this is included in their standard auto policy. 

Regretfully, this is rarely the case, and this can force you to spend money on an expensive rental car. If this is a type of protection that you are wanting, it is important for you to ensure that you add rental coverage to your auto policy. This will provide you with a car while repairs are being made to your vehicle, and while these policies cost more, they can save you from paying out of pocket for your rental. 

How Does Casualty Insurance Work With Your Auto Insurance Policy?

Your auto insurance will shield you from much of the liability for accidents that you cause, but these policies have strict limits on the amount they will pay. Once your insurance reaches the policy limit, they will no longer pay for damages stemming from your accident. 

To avoid being responsible for paying for these expenses, you should consider bundling a casualty insurance policy with your auto. These plans will provide protection for any damages that you cause. Additionally, this type of insurance often has much higher policy limits, and this can help ensure that you are not forced to pay out of pocket for damages that you caused in an accident. 

Having comprehensive auto insurance is important for ensuring that you are protected from the potentially painful financial consequences of an auto accident. By understanding that your plan may not automatically provide a rental car and the benefits of bundling a casualty insurance policy with your auto will help you to be as protected as possible from expenses stemming from auto accidents. 

To learn more, contact an insurance agency like Cache Valley Insurance Inc.