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Understanding Auto Insurance Terminology with Ease

汽车保险 is a necessity as it protects your vehicle and individuals in the case of an accident, 车辆损坏, 盗窃, 还有很多其他情况. 当你回顾你的 汽车保险单, you may be met with many key auto insurance terms that you’re unfamiliar with and need some guidance understanding what they mean.
幸运的是, once you learn the insurance terminology, you’ll be able to easily understand your 汽车保险单 and know exactly what is and isn’t 封面ed.


Although it’s nice to think we’ll never have to use our 汽车保险单, 事故确实会发生, 盗窃和车辆损坏也是如此. 所以,它总是很重要的 足够封面age. 另外,它的 法律规定 在大多数州.
As you prepare to start shopping for auto insurance and want to know what certain auto insurance terms mean, here is what every driver must know before you decide:


An additional insured is a member 政策的holder’s household who is 包括 根据汽车保险单.


An at-fault accident is a car crash that’s entirely or partially caused by you. Due to the at-fault accident, your insurer will pay for the 损害和伤害 of others involved up to the 最大数量 under the policy liability limits.


Under the collision definition, you are 封面ed up to the 政策的限制 if you cause a car accident or are involved in a one-car accident. Your insurer will pay for damage to your vehicle. This is often required by a lender if you have a car loan with them.


Comprehensive insurance 封面age pays to 修理损坏的汽车 from factors other than collision, including fire, 盗窃, falling objects, 和更多的. 它还涵盖了 your car in the case of collisions with animals.


The declarations page of your 汽车保险单 lists the 主要细节 政策的, 包括车辆识别码, 您的新mg官网电子游戏, insured individuals 封面ed under the policy, 政策的限制, 包括覆盖, 和更多的.


An exclusion is something your 汽车保险单 不会 封面.


Full 封面age car insurance is a policy that includes liability insurance, collision 封面age, and comprehensive 封面age. It’s important to know the differences between liability vs. 完全覆盖. 例如, liability 封面age insures against damage caused by you to other people and property on the road while 完全覆盖 provides insurance for any damage to your vehicle.


那么,什么是缺口保险? 缺口保险将涵盖 the difference between your current auto loan balance and dollar value of the car if it’s totaled or stolen, when the balance of the loan is higher.


责任保险负责赔偿 医药费和财产损失 of others involved in the accident if you caused the crash. 它还涵盖了 法律费用 if you’re sued as a result of the accident. The liability limits will be in three numbers. 例如, 100/200/50, 哪个是100美元,000 maximum for each injured person under the bodily injury 封面age, $200,000 maximum in 封面age for each accident, 和50美元,财产损失最高可达1万英镑. The limits will vary 取决于你的政策 and state laws where you live.


责任限额是 最大数量 在每个保险项目下支付. Car insurance liability limits often contain limits for bodily injury and property damage. 例如, 30/50/15 = 30美元,每人最多受伤000人, $50,每次事故造成的人身伤害最高可达5000人, 和15美元,财产损失限额. 


Non-standard auto insurance is a special type of auto insurance for 高风险 司机. Examples of individuals who may need non-standard auto insurance include those with multiple prior accidents and speeding tickets and those who are new 司机.


Personal injury protection (PIP) is insurance 封面age where your insurer will pay you for hospital, 医疗, and funeral expenses due to an accident, 不管是谁的错. It may also 封面 the expenses of your passengers.


The premium is the amount you pay for insurance 封面age, 哪些可以按月支付, 一年两次的, 或每年, 取决于你的政策.


The primary owner is the main individual on the 汽车保险单 and the owner of the car.


Standard auto insurance is the basic level of auto insurance 封面age.


As for who is a third party owner, this person is protected under third party car insurance. These are individuals who have experienced damage or financial loss due to an incident with the insured’s car and are 不保险的.


Underinsured motorist 封面age protects you when you’re injured in an accident with someone whose liability 封面age 是不够的 赔偿你的损失. This 封面age also pays for 工资损失, 痛苦和折磨, 医疗费用, 有时甚至会造成财产损失.


Uninsured motorist 封面age pays for your 医疗费用, 工资损失, 痛苦和折磨, 有时还会损坏mg游戏平台下载, 如果另一个司机是 没有保险.


Getting involved in an accident and being injured or experiencing damage to your vehicle isn’t always on our minds, 但拥有它是件好事 汽车保险保障 in case this unfortunate incident occurs. Plus, it protects others around you and their property, too.
Illinois Vehicle will help you every step of the way in your search for the perfect 汽车保险单. 不管你是在找一个 全保政策 or your driving record is less than perfect and you need an SR-22保险单, Illinois Vehicle has the right car insurance policy for you!
准备好了解更多关于你的 汽车保险选择? Contact Illinois Vehicle today for a quick 汽车保险报价!
Do you have questions about 封面age or policies? Give our helpful insurance agents a call anytime at 888.449.0170.