What is the Standard Car Insurance coverage?

What are the exclusions from standard car insurance coverage? How to find the best standard car insurance for you?

2 min read
What is the Standard Car Insurance coverage?
Photo by Oli Woodman / Unsplash

When you buy a car, you're probably thinking about what kind of coverage it has. You might think your standard car insurance policy covers everything, but that's not always the case. In this article, we'll take a look at what standard car insurance coverage includes and what you might need to add on your own.

car insurance deductible
car insurance deductible

What is standard car insurance coverage?

Standard car insurance coverage typically includes liability, collision, and comprehensive coverage. Liability insurance protects you from financial losses should you be sued for damages caused by the vehicle.

Collision insurance covers physical damage to your car that is caused by another driver, while comprehensive insurance covers anything that goes wrong with the vehicle, including mechanical failures.

What are the different types of coverage?

Standard car insurance coverage typically includes:


-Property damage liability
-Casualty (in the event of an accident)
-Personal injury liability
-Uninsured motorist coverage (UMC)
-Collision coverage (if your car is in a collision)

What are the different limits of coverage?

Standard car insurance coverage typically includes liability, collision, and comprehensive coverage. Liability insurance pays for damages you or someone else may cause to others as a result of your negligence.

Collision insurance pays for damage to the car in the event of an accident. Comprehensive coverage covers things like theft, vandalism, and loss of use due to an accident.

Some factors that could affect the limits of coverage included in a policy are your age, driving record, and credit score. You might also want to consider adding uninsured motorist coverage to your policy if you frequently drive in unfamiliar areas or if you have a poor driving record.

What are the exclusions from standard car insurance coverage?

Standard car insurance coverage includes things like property damage, bodily injury, and uninsured motorist coverage. However, there are many exclusions that can affect your policy.

For example, you may not be covered if you hit a parked vehicle, if the accident was caused by a pedestrian, or if the other driver is uninsured. It's important to read your policy carefully to understand what is and isn't covered.

How to find the best standard car insurance for you?

Standard car insurance coverage can vary a lot from state to state, so it's important to do your homework before choosing a policy. Here are five tips for finding standard car insurance that meets your needs:

1. Start by consulting with an insurance agent. They'll be able to help you compare quotes from different companies and determine which policy is best for you.

2. Check the minimum liability limits required by your state. These limits will typically range from $25,000 to $300,000.

3. Review the types of coverages offered by the different companies. You might want to include liability, collision, comprehensive and medical coverage in your search.

4. Consider your driving habits and preferences when selecting a policy. For example, if you primarily use public transportation or drive infrequently in dangerous areas, a low-cost policy might be best for you.

5. Take into account the cost of adding optional coverages like roadside assistance and rental car coverage. These policies can be expensive and it's important to find one that fits your budget and needs