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Understanding Car Insurance Federal Way

In most states in the U.S., drivers are required by law to have car insurance. To register a vehicle, the owner must show proof of insurance. If a driver is pulled over and they don’t have an insurance policy, they would be cited. There are a few types of policies that drivers can purchase. Before they go ahead and purchase a policy, they should understand what the types of car insurance in Federal Way have to offer.

Comprehensive/Full Coverage

This is the most expensive type of insurance because it offers the most coverage. If a driver is involved in an accident that was their fault, this type of insurance will cover the damage to the vehicle that they hit, as well as its occupants. It would also cover the driver and their occupants. When a driver has comprehensive insurance, they would not need to pay to have their car repaired out of their own pocket. Most lenders require that drivers who are still making car payments to have this type of insurance.

Liability Coverage

Liability insurance is the least expensive type of insurance. If a driver causes an accident, their liability insurance will cover the damage to the other driver’s vehicle and its occupants. It would not, however, cover the damage to their car. They would need to pay for any repairs out of their own pocket.

Uninsured Motorist

This is an additional insurance that a driver can add to their policy. Unfortunately, not all drivers follow the law when it comes to having insurance, and they allow their policy to lapse. If a driver is hit by another driver who does not have insurance, this type of coverage would pay for the damages without the need to pay a deductible. This is also a good coverage to have if a driver is involved in a hit and run accident. Since there is no driver around to take the blame, the driver’s uninsured motorist would cover the damages. If a driver frequently has people who are not listed on the policy driving their vehicle, this is a good coverage to have.

Before drivers purchase a policy, they should learn as much as they can about Car Insurance Federal Way. This will help them choose the best policy to suit their needs and their budget. For more information, contact us.