Understanding the Difference Between Liability and Full Coverage Car Insurance

Purchasing a car is expensive enough without worrying about car insurance cost being unnecessarily high. Although liability car insurance is a must-have in virtually every state, full coverage car insurance is optional. The aim, however, is to understand the two policies and the difference in their coverage and cost. This way, you only have to purchase a policy that best suits your situation instead of buying it all at a high cost.

What Does the Term “Liability Car Insurance” Mean?

Just as its name suggests, liability car insurance is a policy that covers the expenses of the other driver in an accident for which you are found responsible or blamed. However, it should be noted that a liability car insurance policy does not have an unlimited amount of damage coverage.

This policy represents the maximum amount that you are required to pay for either type of coverage, either per person or in total.

There are also minimum requirements that vary by state, but you can purchase policies with a higher limit than that required by your state. This is because lack of adequate coverage for the total amount of damages caused by you could cause you to be sued in a civil court.

The two types of liability car insurance coverages include:

  • Bodily injury liability-which covers expenses like medical bills, lost wages, and compensation for the pain and suffering of the other driver
  • Property damage liability– which covers expenses like vehicle repair costs and damage to buildings or fences of those involved in the accident

What Does the Term “Full Coverage Car Insurance” Entail?

This kind of coverage includes both liability and comprehensive and collision coverage. It can also include medical coverage and uninsured/underinsured motorist coverage. Although it isn’t required by law like liability car insurance is, its coverage is much wider and versatile.

The types of full coverage car insurance are:

  • Collision insurance, which pays for damages to your vehicle after an accident including other vehicles and road hazards. However, there’s no coverage for accidents involving animals.
  • Comprehensive insurance, which pays for accident damages caused by animals, natural disaster, theft, or vandalism.
  • Medical Payments, which pays for medical bills and lost wages for you and those involved in the accident.
  • Personal Injury Protection, which pays for yours and your passengers’ medical bills. It is mostly used in no-fault states.
  • Uninsured/Underinsured Motorist Coverage, which covers the expenses of the other driver if he is at fault and uninsured or does not have full coverage to cover the cost of damages.

A lot of factors determine the cost of these two policies, from age, type of vehicle, driving record, state, and city. So, be well-versed on the two policies and choose one well-suited to you. For assistance with all your insurance needs, contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We look forward to helping you with all your coverage requirements.       

Covering Engine Failures with Your Car Insurance

Depending on the additional features in your car insurance policy, your engine failures may or may not be covered. Here are three auto insurance features that cover engine failures.

1. Collision Coverage

As the name implies, collision coverage is a type of no-fault coverage covering the cost of repairing or replacing your car if an object or another car wrecks or damages your car, whether or not you’re liable for the damage. Of course, this coverage extends to your engine, meaning it covers your engine when a covered peril causes engine failure or damage. Because collision coverage only covers your car in the event of a collision crash, it excludes most other common auto insurance perils that may lead to the failure or loss of your car’s engine, including, among others, wear and tear, theft, and fire.

2. Comprehensive Coverage

Unlike collision coverage, comprehensive auto insurance coverage covers non-collision damage to your car. Some of the covered perils under comprehensive coverage include:

• Explosion
• Fire
• Theft
• Falling objects

In essence, if a covered event, such as a fire, leads to engine failures, you can file a comprehensive coverage claim for engine failures. Of course, when filing such a claim, you would need to prove the named peril is directly responsible for the engine failures. For this reason, you should perform regular maintenance on your car’s engine and store the maintenance records in a safe place because they’ll help you build a strong case when filing a comprehensive coverage claim for engine failures.

3. Alternative Coverage

If your car insurance coverage offers no coverage for engine failures, you should purchase supplemental coverage. Some of the additional car insurance coverages you should consider carrying include:

• Manufacturer’s powertrain warranty
• Manufacturer’s bumper-to-bumper warranty
• Extended warranty
• Mechanical breakdown warranty

These are the three auto insurance features that cover engine failures. For assistance with all your auto insurance coverage needs and questions, contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We will help you get the right coverage you need.

When Should You Drop Collision Insurance on Your Car?

Road accidents or collisions can happen at any time. In such situations, having collision insurance coverage can help cover the damages and repairs. However, some people may think about whether it is worth paying for collision auto insurance. Let’s find out.

What Is Collision Insurance?

It covers car damages caused due to collision with another vehicle or object, including rollovers. Irrespective of who is at fault for the incident, it will pay for the damages caused to your vehicle. It includes damage and repairs caused due to man-made mistakes, such as hitting a telephone pole or tree on the road, colliding with a building, or hitting a pothole or curb.

Comprehensive auto insurance coverage is helpful in the event of natural disasters such as landslide, flood, or cyclone.

When Should You Drop Your Collision Insurance?

Here are a few instances you can consider dropping your collision insurance.

  • If your premium exceeds 10% of your car’s value, you can drop your collision coverage.
  • If your car becomes older and you want to buy a new one, you can drop your collision coverage and use that money to buy a new car.
  • If the market value for your vehicle is lower than the deductible on your collision insurance, it will be better to drop it. For example, if your totaled car’s worth is $850 and your deductible is $1000, you would end up paying for the damages.

Just because collision coverage is not legally mandated does not mean you do not need this. It is important to cover the damages resulting from accidents and collisions.

Based on your needs and budget, you can decide whether to have collision coverage. For assistance with all your auto insurance needs and questions, contact the experts at Miller Carlisle Insurance Services in Carlisle, PA. We help you get the right coverage you need.

Understanding Car Insurance Claims

Car insurance claims can help you during an accident, as you can get c0vered for damages caused to your vehicle. However, you need to know how many times you can claim your auto insurance in a year. Is there any limit to the number of claims you make? Let’s check this out.

No-Fault Claims

For legitimate reasons, there are no limits to the number of claims you make. However, this is specifically for incidents that were not your fault.

However, these claims require deductibles. Every time you make a claim, you must pay your specified deductible, and the remaining amount is covered by your insurance. For example, if the damage costs $300, your deductible is $250, and you need to pay that; your insurance pays only $50.

For minor damages, the cost will be paid from your deductible. If you file a car insurance claim for every accident, the insurance provider may increase your insurance rate.

At-Fault Claims

However, if an accident is caused because of your fault, you will have limits on insurance claims. Typically, if you have more than two at-fault insurance claims in three years, either your insurance rate will be increased or you will not be able to renew your policy.

Some insurance providers ignore the first auto insurance claim as part of your forgiveness policy. Sometimes, you need to pay extra to add the forgiveness policy to your coverage. Adding this ‘accident forgiveness’ coverage to your policy is a good idea if you worry about increased premiums.

Comprehensive Claims

If your car gets damaged by a flood or vandalism, you can file a comprehensive insurance claim. This does not affect your premiums unless you make too many claims in a short period.

Before making car insurance claims, you need to determine whether it benefits you. For assistance with all your coverage needs and questions, contact the experts at Miller Carlisle Insurance Services in Carlisle, Pennsylvania. We will help you find the best auto insurance policy.

Spring Clean Your Insurance Policies

Spring Clean Your Insurance Policies

This spring, aside from cleaning your home to perfection, make sure that you spring clean your insurance policies to pay only for what is necessary.

Spring may be the time in which we all take out our cleaning supplies, put on our apron and latex gloves, and clean our home to perfection. While spring cleaning is certainly important in its own right, there exists something else that requires your attention: your insurance policies. As your life changes, so do your insurance needs. When it comes to your insurance policies, you should make sure that you are only paying for what is necessary.

  1. Is your home covered for complete reconstruction?

Some people only have enough coverage to satisfy their mortgage payment. While it may appear like a sound plan, they are not considering the consequences of complete home-desolation. You have to remember the cost of clean-up, materials, and construction.

  1. Does your car really need comprehensive insurance?

If you’re driving a car that is worth less than $1,000, or less than 10 times that of the insurance premium, the amount you pay monthly may not really be worth it. You might want to consider dropping comprehensive or collision coverage from your policy to save money.

  1. Do you have enough liability insurance?

Auto and home insurance policies offer liability coverage which pays for bodily injury and property damage for which you are found at fault, or liable. Our society is a very litigious one, and it might pay to have additional coverage in case the accident is particularly bad.

Make sure that you are only paying for what you need when it comes to your insurance policies. Reviewing them at least once a year can save you hundreds. To learn more about how you can pay less for your auto insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates.

Keep Killer Cellphones Off the Roads

Keep Killer Cellphones Off the Roads

The best way to avoid preventable traffic accidents is to keep your eyes off your phone and on the road. 

We are all awful drivers because we all have short attention spans and terrible reaction times, both of which are needed for good driving. For way too many people, looking at their phone screen while they drive their cars is the new normal. (Where is the self-driving technology when you need it?) According to a AAA survey, 42 percent of drivers reported reading a text or email while they were behind the wheel. Cars today are safer than ever but accident fatalities are up. Distracted driving is the leading cause and must be addressed by us, the drivers, until scientists and engineers–yet again–fix the issues we refuse to acknowledge.

Road safety has taken a turn (idiomatically and literally) for the worse: according to statistics gathered by the National Highway Traffic Safety Administration (NHTSA), 35,000 people were killed and more than 2.4 million were injured on our U.S. highways. That’s 35,000 too many for something that is easily preventable. That is 7.2 percent over 2014 and is the largest percentage increase in the previous 50 years of record-keeping and demolishes any hope of a ten-year trend of declining fatalities.

The NHTSA has called the surge in traffic accidents “an immediate crisis” and is based on the data gathered from the first half of 2016, in which 17,775 died–a staggering 10.4 percent increase from 2015.

20 percent of drivers aged 18-20 said texting does not affect their driving and 30 percent of drivers aged 21-34 reported the same. This phenomenon is not new. It is similar to when people thought that driving under the influence had no effect on their driving before law enforcement starting cracking down on intoxicated drivers and traffic fatalities plummeted.

Keep your phone in your pocket. It can wait.

A quality auto insurance policy will step in to cover any costs when you have the coverage that’s built for your needs! To learn more about how you can pay less for your auto insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates.

Should You Warm Up Your Car on Cold Mornings?

Should You Warm Up Your Car on Cold Mornings?Many drivers tend to leave their car running on cold winter mornings in order to warm up the engine and the interior of the car. 

The National Insurance Crime Bureau states that it is illegal for drivers to warm up their parked vehicles.

The only thing worse than getting into a freezing car on a cold winter morning is the fine that you can get for doing just that. Leaving your car running with the keys inside is illegal. This action can not only lead to theft, but it can also result in a ticket violation.

While it may be tempting to warm your car on a frigid winter morning, you may want to think twice about doing so. Warming up an unlocked car while it is parked in your driveway can lead to theft, and it is likely the easiest steal a burglar will ever get.

Aside from the threat to you, there are public safety issues that must be looked at, too. It becomes a public safety issue when thieves try to make a hasty getaway, and thus puts pedestrians and other motorists in danger. The laws, however, do exclude remote-start cars since the keys are not in the ignition and turn off when pressure is applied to the gas or brake pedal.

Biting the bullet and waiting a few minutes for your car to warm up is something that may not be as bad when you consider the hassle of filing a claim, waiting for the issue to be resolved by the insurance investigators, and then having to buy another car.

A quality auto insurance policy can help pay for covered damages, and puffing is not one of those covered instances. To learn more about how you can pay less for your auto insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates.