Author: Scott Boren

What is Personal Injury Protection Insurance? Personal injury protection insurance or PIP covers your medical bills if you’re injured in an accident. Personal Injury protection covers you no matter who is at fault. For this reason, it is frequently referred to as no-fault insurance. In some ways, personal injury protection insurance is like health insurance for car accidents. However, it...

What is Uninsured Motorist Insurance Coverage? Uninsured motorist insurance coverage or underinsured motorist coverage are liability coverages. However, rather than provide protection for your liabilities while driving, it protects you if you’re hit by a driver who doesn’t have auto insurance or doesn’t have enough liability coverage for the damages they have caused. In some states,...

What is GAP Insurance and How Does it Work? Gap insurance is another optional coverage you can purchase to get more protection from your auto insurance policy. It’s also commonly referred to as loan/lease payoff coverage. This coverage applies if your car is stolen or deemed a total loss and your loan amount is more than your vehicle’s worth – also known as the gap. Gap...

What is Comprehensive Insurance Coverage? Just like Collision coverage, Comprehensive insurance (sometimes referred to as “Other than Collision”) is an optional coverage you can add to your auto insurance to pay for repairs to your car for very specific types of hazards. Comprehensive insurance covers damage to your car that is caused by events that are out of your control. For...

What is this Collision Coverage on My Policy? When purchasing auto insurance, you’ll have the option to select many other coverages designed to help you repair your own car after an accident. One of these options is Collision coverage. Collision helps pay to repair or replace your car if it’s damaged in an accident with another vehicle or stationary object (eg. a tree, fence, or...