What Does Basic Auto Insurance Cover?

Insurance is something that many people have but have no idea what it covers. There is a wide range of auto coverage, and though you might think you have the right policy, it might not be all that you need. For those in the Cullman, AL area, the agents with Insurance Solutions Inc. can help you find the policy that is right for you each and every time.

Basic auto insurance, or liability insurance, covers a couple of different things. First, it covers a monetary pay out to the other driver for a specified amount of money. This is generally a set amount of around $10,000 per person involved in the accident. This helps pay for medical bills, deductibles for the other auto policy, and other pain and suffering that might be undertaken.

Liability insurance is the very least amount of insurance that you can have on your car and still be able to drive legally. You cannot have a liability policy if you still owe money on your car, you then need to have a full coverage policy. Your insurance policy not only protects the other driver but also any passengers that you might have in the car with you. It also helps pay for your medical bills, and you can get more from your insurance company if need be.

The basic policy is going to act as a safety net should anything happen and should you need to file a claim following an accident. Not every insurance policy is going to pay out $10,000, some policies pay more but most pay at least that amount. For those in the Cullman, AL area, the agents with Insurance Solutions Inc. can help discuss just what basic insurance coverage means and what you can do to get the perfect policy.