Cranberry Township Auto Insurance – The Basics

Auto insurance is basically insurance for automobiles, trucks, motorcycles, and any other road-going vehicles. Its primary function is to offer financial protection against bodily damage or injury resulting from road accidents and from liability which can also arise out of traffic accidents. The minimum type of auto insurance required by law is usually the ‘collision’ type. This coverage pays for the damages incurred by other road users due to car collisions. However, it does not cover the damages incurred by the automobile itself.Get the facts about Cranberry Township Auto Insurance

In almost every state, the minimum auto insurance coverage is more than sufficient to protect the financial interests of car owners in the event of a car accident. But there are circumstances wherein an auto insurance coverage is absolutely necessary. The first is to protect the financial interests of car owners who own a loan on a property. If they were to get into a car accident with someone who was at fault for the accident, the lender may require them to purchase temporary auto insurance coverage that would cover the legal expenses that come with litigation.

Another situation requiring temporary auto insurance is if a vehicle is being used for work. Employers often require their employees to purchase insurance to protect their business interests in case a person was to get injured on the property and needed medical attention. Temporary insurance can cover repair costs, as well as other costs that arise from a car accident. It is important for employees to understand the terms of their insurance contract. Many times, these contracts actually have a dollar value that is usually written into the contract.


Auto insurance is an insurance policy for automobiles, trucks, bikes, and other motor vehicles. The primary use of automobile insurance is to give financial protection against bodily damage or personal injury resulting from road accidents and from liability which can also arise out of car-related incidents. You may want to check out MEY’S INSURANCE SERVICES – tax preparation for more. It can also cover injuries to others caused by you or your vehicle. Some automobile insurance policies include medical payments coverage, which can cover the expenses of treating injuries sustained by people who are injured in a car accident, as well as any other associated costs. This type of insurance is usually taken out with the help of a private insurance company.

There are various types of auto insurance policies available, including general liability policies, personal injury protection (PIP), collision coverage, comprehensive coverage, and more. General liability policies will pay a sum of money in the event that you or someone else’s property is damaged or stolen out of your vehicle. PIP will pay a sum of money for any medical expenses that are incurred as a result of an accident. Comprehensive coverage will cover the repairs to your vehicle that you may need for repairing it following an accident. Collision policies will pay a sum of money to any other person or organization that you damage in a vehicular accident.

The different types of policies will have different types of limits as to what they will cover. You can get temporary car insurance to cover certain types of incidents as long as the coverage extends up to a certain limit for each occurrence. Temporary car insurance will cost you more than regular car insurance because it does not have a very long waiting period in order to become in force.