I Hit a Deer – Will My Auto Insurance Cover The Damage?

Reader’s Question:

If I hit a deer, will my auto liability insurance cover the damage to the car?

Jansen

Los Angeles CA

 

If you have an auto liability insurance of bodily injury and property damage on your car, it will not cover any damages if you hit a deer.

Property damage liability and bodily injury liability pays damage to others that you may cause damage or harm to while operating your car, this coverage does not cover you or your own car in case of an accident.

If you want your car to be covered if you hit a deer, what you actually need is a comprehensive coverage. This comprehensive coverage is an optional coverage and it covers your car if it is stolen; or damaged by flood, fire, or animals.

Comprehensive coverage pays to repair your car’s damages from hitting the deer less the deductible you choose.

What is Liability Car Insurance?

Reader’s Question:

What does Liability Insurance exactly do for me? Do I need to keep this? I’m thinking of making some changes on our car insurance since my husband just got laid-off here in Maryland and we can’t afford too much expenses.

Ortega

Baltimore, MD

Under your car insurance policy, liability insurance coverage protects you from having to pay quite possibly large sums of money if you are at-fault in causing a car accident and have injured people or destroyed properties in doing so. Liability insurance is one of the most important aspects of car insurance, in fact, it’s so important that states have enacted financial responsibility laws that requires car owners and drivers to carry a minimum dollar amount for liability protection.

For Maryland, you will need a car insurance policy that has $20,000 worth of coverage per person you injure in an accident, $40,000 total for all people injured and $10,000 to pay for property damage.

If you are thinking of streamlining your car insurance expenses, there are other effective ways of doing so, without sacrificing the liability coverage you already have. Here are some tips to help you minimize car insurance costs:

• Increase your insurance deductible, this will lower your premiums.
• Go with annual payments since most companies give discounts or charge less if you have longer payment schemes.
• If you can, take defensive driving classes to qualify you for additional discounts on your premiums.
• If you have not been into any trouble while driving for the past three to five years, check to make sure you are getting a good drivers discount on your policy.
• If you have student drivers, Good Student Discounts are available for those who are getting good grades in school.
• Shop around, use this website to get free car insurance quotes and compare prices, maybe you can get more affordable car insurance with someone else.

What Is The Cost Of Liability Auto Insurance in California?

Reader’s Question:

I need to keep up on the cost of living in our state and one of my plans is to save on auto insurance. Please give me some pointers on how to acquire minimal liability auto insurance in California. Thanks!

Sierra

Los Angeles CA

Yes, cost of living is getting costlier in California. But you can still save money on car insurance if that’s what you want. Try to see which of this cost saving tips you can follow and surely you can acquire a cheaper auto insurance quote in California.

If you have more than one vehicle, insure all of them on one insurer. Most auto insurance companies offer multiple car discounts and it will surely have a lower premium for each and every car you insure. Purchasing the same policy for each vehicle is simple but if you want to have different policy on each of your vehicle, make sure you check first so multiple discount doesn’t get changed or tampered with.

When it comes to deductibles, make sure you spend more on it rather than agreeing to pay more on premiums. You have a good chance of saving money on this type of setup. Another important issue is the number of miles your vehicle is running every month. If you can use your vehicle less, you can acquire a low mileage discount. Never give a false estimate to your auto insurance California company since it’ll be sure that they’ll find out about it. Remember to look for different quotes from different auto insurance company online. This will give you a far greater chance to get those who are offering discount with cheaper quotes.

Tags: auto insurance California, automobile insurance

Does Liability Only Auto Insurance Cover Stolen Vehicle?

Reader’s Question:

My car was stolen. I have liability car insurance coverage. Will it cover?

Michael

Houston Texas

 

Liability car insurance coverage generally consist of Bodily Injury Liability and Property Damage Liability. Neither of those coverage cover your car if it is stolen. It covers those that you may damage, not your own car in any way.

Bodily Injury (BI) Liability insurance covers other people’s bodily injuries or death for which you are liable. This covers medical bills, loss of income or pain and suffering. Bodily injury liability covers people you injured in an accident, not your vehicle.

Property Damage (PD) Liability insurance on the other hand covers you if your vehicle damages someone else’s property. This may also provides you with legal defense if another party files a lawsuit against you.

If you want your vehicle to be covered in case of theft and other event other than collision, you will need to get Comprehensive coverage on it. Comprehensive insurance coverage provides protection in case of:

• theft
• damaged by flood
• fire
• animals etc