The Types of Coverage You Can Pick Up from Your Alabama Auto Insurance Provider

The Types of Coverage You Can Pick Up from Your Alabama Auto Insurance Provider

You think your day is rolling along just fine, and the next thing you know you're sitting there listening to an insurance agent speaking in some strange, foreign language about coverage levels and clauses without having a clue what's going on! Relax, you're in good company. Vehicle insurance is one of the most important expenses you'll have to pay in a year, and it's the one that can cause you the most aggravation as you try to figure out how much is enough, how much is too little and how much is too much when you're shopping for an Alabama auto insurance policy.

And try saying that ten times fast!

You're going to have tons of options on your plate when you're shopping for auto insurance coverage, far more than we could ever go into right here, but

Do you know what kind of auto insurance you need to pick up the bill if your car goes up in flames?

in the interests of covering the basics let's take a look at the various types of insurance coverage being offered by your Alabama auto insurance provider and how much of each you really need.

Liability Insurance-If you carry nothing else on your vehicle you want to make sure your liability insurance is up to par. There are two types of liability: Bodily injury and property damage. Basically, when you're responsible for an accident you're going to be responsible for all of the miscellaneous costs that go with it-including damages to other drivers' vehicles and the medical bills roll along after. Liability will pick up the slack so you don't go bankrupt because of a moment of inattention.

Collision Insurance-Liability takes care of everyone else's expenses, but if all you're carrying is liability your Alabama auto insurance provider isn't going to touch the damages to your car with a ten foot pole! Since these types of repairs can start at $1,000 apiece and go up from there, you might want to make sure you've got your insurance company standing behind you! Collision will take care of the damages to your car, less your deductible, so you don't have to.

Comprehensive Insurance-Comprehensive auto insurance takes care of the things that collision doesn't-for example, vandalism, theft and "acts of God" like hail and lightening that can leave your car in teeny, tiny pieces-if it leaves it at all!

Uninsured Motorist Insurance-Studies estimate that the number of uninsured drivers in the U.S. is going to climb dramatically by 2010 (I'm not going to toss around numbers here-they're too depressing!), reaching record highs courtesy of today's stressed out economy. If you happen to be in an accident with one of these uninsured drivers you could find yourself spending years in court with your Alabama auto insurance provider trying to get them to pay your auto insurance claims and medical bills. It's much, much easier (and considerably less expensive in the short term) to pay a little extra each month to add uninsured motorist coverage to your auto insurance policy.

Finally, my personal favorite:

Rental Car Insurance-When your car's been damaged in an accident, do you have the option to spend all day sitting around your house waiting for it to be repaired? Of course not! It doesn't matter how nice your boss is, I'll guarantee you they're not that nice. But with car rentals starting at $30 a day (which doesn't sound too bad until you think about the fact that that translates to over $200 a week) renting a car isn't always an option-unless you have rental insurance. Then your Alabama auto insurance carrier will pick up the cost, and you'll be footloose and fancy free!

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