Understanding Basic Auto Insurance Terms

admin — Wed, 16 Dec 2009 21:36:06 +0000

If you have to move around often and are constantly having to change auto insurance companies it can become tricky to understand the different terminology that each state has. Sometimes you can luck out and move around within different states that have similar coverage. Some of the states that have similar terminology for car insurance are Oregon, Idaho and Washington.

Three of the broad auto insurance terms that are used in Oregon, Idaho and Washington are:

- Property auto insurance

- Liability auto insurance

- Medical coverage

These are pretty easy to understand, but it breaks down to even more basic terms. Here are some of the other terms that are used in Oregon, Idaho and Washington car insurance companies:

- Liability: This offers protection against claims, property damage or bodily injury to a third party that your or a member of your household accidentally cause while driving your car.

- Medical Payments: This provides medical coverage for everyone that is in your vehicle if an accident happens. This also covers dental services that are a result of an accident regardless of who caused the accident.

- Uninsured motorist / Underinsured motorist: This protects you if you are involved in an accident with an uninsured motorist or a hit and run accident. The underinsured motorist insurance provides car insurance for you if the other driver doesn’t have enough insurance to cover your expenses.

- Damage to your auto: There is collision, comprehensive and different situations where damage is not covered.

- Personal injury protection (No Fault): This protects you regardless of who is to blame for the accident.

- Additional, optional coverages: This is and additional / optional coverage that helps with towing and labor, rental reimbursement, CD coverage, CB Radio or car phones.

With these simple terms and understanding of auto insurance in Oregon, Washington and Idaho it will make it easy for you to get what best fits your needs.

By: Billings Farnsworth

Auto Insurance Term » Optional Coverage

Understanding Basic Auto Insurance Terms