Does Liability Auto Insurance Cover a Driver who Hits a Deer

Liability auto insurance coverage does not cover a driver who has hit a deer. Even though the accident involves striking a deer, collision coverage doesn’t pay apply, either. In this situation, the policyholder’s comprehensive insurance would pay for the damage. This would probably not be considered an at-fault loss on your auto insurance record, either. Liability Auto Insurance Coverage Liability auto insurance coverage is put in place to pay for the damages the policyholder causes in an accident. It pays for bodily injury and property damage claims. In states where liability coverage is mandatory, drivers must have a minimum level…

How Can a High Risk Driver Get Auto Insurance Coverage

High risk drivers can get auto insurance coverage, but they may find it challenging to find a company willing to sell them a policy. Each provider writing policies in a state determines how much risk it is prepared to assume on behalf of its policyholders. Some of them will not insure high risk drivers at all, while others will provide this type of coverage and adjust the customer’s premium rates to reflect his or her high-risk status. Insurance providers which focus on serving the high risk driver market also exist. Auto Insurance Rating Categories When an auto insurance provider approves…

Can I Exclude Someone in my Household from my Auto Insurance Coverage

As a policyholder, you can exclude someone in your household from your auto insurance coverage. You would have to notify your insurance provider that you want to have one or more people’s names taken off your policy. This may be an option to consider if your spouse, partner or child has a poor driving record which includes charges for DUI/DWI, one or more accidents or moving violations. Having someone with that type of driving history listed on your policy means you will probably pay more for your auto insurance coverage. How Auto Insurance Companies Set Rates When you apply for…

What is PLPD Auto Insurance Coverage

PLPD auto insurance is “Public Liability and Property Damage” coverage. It refers to the minimum level of auto insurance protection you must buy to comply with state law. This level of coverage varies, depending on the state, and auto insurance companies must provide quotes for coverage for at least this amount. Public Liability and Property Damage coverage does not extend to the driver’s own vehicle. You will need to buy collision insurance to pay for damage sustained in an accident. Comprehensive auto insurance coverage pays for losses sustained from other events, such as fire, theft, severe weather and falling objects….