subject: What Will My Auto Insurance Cover? [print this page] What Will My Auto Insurance Cover?
If you are in the market for auto insurance Orange Country residents need to have, it is important that you first understand the different things that auto insurance will cover. You want to be sure that you know this so that you do not end up paying for the wrong type of coverage and so that you do not end up thinking that you have purchased something that you have not. This can be rather confusing because there are so many different kinds of coverage plans out there, but the following are the basic things that you can expect from standard plans.
First, the plan should cover your car if it is in an accident. The level of coverage that you get makes a huge difference here. Full coverage will pay to fix your car completely or to buy you a new vehicle of the same value if your car is wrecked beyond the point where it can be fixed. The lowest levels of coverage will not pay to fix anything, but will just pay to fix the other person's car if you were at fault. This is the biggest thing to understand before getting any sort of plan. You need to make sure you know which level of protection you actually have.
Next, the plan should cover damage that happens if your car is parked. For example, a thief might break your window and steal things from inside the vehicle. Most plans for auto insurance Orange Country residents have will offer something for this, paying for the window to be replaced. However, this is where the differences in the plans comes into play. Some will pay for any damage regardless of the cost. Other plans, however, will only pay for the damage after a certain amount. You might have to pay up to the first two hundred dollars, for example, if that is all that it costs to fix the car, you will need to pay everything.
Finally, the insurance can cover the damage if your car just breaks down. Sometimes this can lead to an accident, if the brakes go out, for instance or it can just lead to the car not working and needing to go into the shop. Either way, the insurance will cover the price of the parts and repairs. As with the above, the amount the plan covers really depends on how comprehensive the plan is, so be sure to ask when you buy.
All told, auto insurance Orange County residents can get will repair the car in any way that it needs. The differences between the plans just have to do with how much or how little you will have to put down as well.
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