Does your insurance agent speak English? You might think so-until you get a good look at your auto insurance policy! It can be hard to pick the English out of the muddle of Insurance-ese, Legal-ese and Big-Word-ese that jumbles up most policies and make it impossible for the average driver to understand without a dictionary in one hand and a thesaurus in the other! sr22 california
Having a good grip on auto insurance terminology is a vital part of any successful insurance shopping endeavor. The question is, how much auto insurance terminology do you know?
1. At Fault – Believe it or not, this one isn’t quite as simple as it sounds. There are two variations on “At Fault” in the auto insurance dictionary. The person considered to be “at fault” in an accident is the one who caused it in the first place, and “at fault” insurance (as opposed to no-fault insurance) means that the person who was “at fault” is going to be paying all of the bills.
2. Bodily Injury Liability – This is the part of your insurance coverage that makes sure you’re not stuck with emergency room bills, ICU bills, outpatient bills and rehabilitative therapy expenses for someone else after you take a slide on a slick city street in the middle of winter and run head first into their vehicle.
3. Comprehensive Coverage – Regardless of what your personal religious beliefs happen to be, there’s no denying that “Acts of God” can do horrible things to your vehicle. When Mother Nature is the only one to blame for the damages to your car, your comprehensive auto insurance coverage will step in and pick up the bill.