Every state in the U.S. except New Hampshire requires that all drivers have auto insurance to legally operate a vehicle. Drivers cannot register a vehicle unless they can produce proof of insurance. The reason that these laws have been implemented is to protect all drivers on the road in case of an accident. There are a variety of types of Car Insurance Coverage in Tyrone PA available.
Full Coverage/Collision Coverage
This is the insurance that provides drivers the most protection and is also the most expensive. If a driver causes an accident, their full coverage insurance will cover the other driver’s vehicle and their passengers. It would also cover the driver with the coverage and their passengers. When a driver has this type of insurance, they will be covered even if they cause an accident.
Liability Coverage
This type of insurance is less expensive and does not provide any protection for the policy holder if they cause an accident. It would only cover the other driver’s vehicle, its occupants, and any personal property that was damaged. If the policy holder’s vehicle was damaged, they would be responsible for paying for the damage out of their own pocket.
Uninsured Motorist
Unfortunately, not everyone obeys the law. Some drivers will allow their auto insurance policy to lapse, leaving them without any coverage. If an uninsured driver hits another vehicle, this insurance will cover the other vehicle as long as they have uninsured motorist. This type of insurance also comes in handy if a driver is a victim of a hit and run accident. Since there is no driver around to be held responsible, the uninsured motorist would cover the damage. Finally, this type of insurance would cover the vehicle and any vehicles hit if someone other than those listed on the insurance policy is driving the vehicle and causes and accident.
In order for any driver to legally drive a vehicle, the operator must have insurance. There are a variety of types of Car Insurance Coverage in Tyrone PA available. Before a driver chooses a company and a policy, it is a good idea to call around and get quotes. For more information, click here.
