Auto Related Questions

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A deductible is an amount that you're responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder.

Uninsured motorist is a coverage which protects you and the people in your car in the event another driver hits you with inadequate insurance coverage or no auto insurance at all.  Often drivers that carry low auto insurance liability limits do not have many assets to protect.  So in the event that you or someone in your car is badly injured by another driver and they have inadequate auto insurance liability limits there is nothing to gain by suing the driver.

In that case you can put a claim in under your own insurance policy for uninsured motorist insurance coverage.

Comp (a.k.a Comprehensive) and Collision are physical damage insurance coverages on a personal or business auto insurance policy.

Collision coverage provides reimbursement for damage to your vehicle after you’ve been in a car accident in which there is no fault or you are at-fault.

Comp provides reimbursement for a set of named perils that include, fire, hit an animal, falling object, car get’s struck by lightning and more.

Comp will often be provided in conjunction with full glass coverage but is technically a separate part of the auto insurance policy

If you cause a car accident that injures another person, bodily injury liability coverage helps pay for their medical expenses and lost income as a result of their injuries. This coverage may also help pay for your legal fees if you're taken to court over an accident. Most states have laws that require you to have bodily injury liability coverage on your. This coverage is extremely important.

Your auto insurance policy is for the car, not the driver, meaning your auto insurance will cover damages incurred by a friend or family member borrowing your car, up to your policy limit. The driver’s auto insurance serves as secondary coverage, kicking in after the limits of your policy have already been reached.

Auto insurance rates fluctuate, driven by a variety of factors. There are more cars on the road than ever before, leading to an increase in accidents and in costly claims, and an industry-wide rise in car insurance rates.

Your auto insurance needs depend on a variety of factors. Minimum requirements are set by your state of residence, but it’s important to keep in mind your driving habits, the age of your car and if you want a higher or lower deductible, among other factors. For example, if you have a newer vehicle, you may want to consider new car replacement or original equipment manufacturer parts coverage.

Your auto policy generally won’t cover a car’s mechanical failure, if it’s not due to a collision or vandalism.

Many insurance companies offer different types of discounts on auto insurance. The Hanover offers a variety of discounts on auto insurance, including:

• Paid-in-full discount on new auto policies
• Anti-theft devices discounts
• Safety features
• Multi-car discount
• Prior carrier discount
• Good student discount
• Student away at school discount