{"id":298,"date":"2021-09-10T07:53:32","date_gmt":"2021-09-10T07:53:32","guid":{"rendered":"https:\/\/testweb.fredloya.com\/?p=298"},"modified":"2022-02-04T16:53:01","modified_gmt":"2022-02-04T16:53:01","slug":"car-insurance-coverage","status":"publish","type":"post","link":"https:\/\/www.fredloya.com\/car-insurance-coverage\/","title":{"rendered":"Car Insurance Coverage"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Find Out More About:<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69a46c7f11868\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69a46c7f11868\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.fredloya.com\/car-insurance-coverage\/#What_Is_Car_Insurance_Coverage\" >What Is Car Insurance Coverage?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.fredloya.com\/car-insurance-coverage\/#Our_Car_Insurance_Coverage_Plans\" >Our Car Insurance Coverage Plans<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.fredloya.com\/car-insurance-coverage\/#Car_Insurance_Coverage_Types\" >Car Insurance Coverage Types<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.fredloya.com\/car-insurance-coverage\/#How_To_Determine_The_Right_Amount_Of_Car_Insurance_Coverage\" >How To Determine The Right Amount Of Car Insurance Coverage<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.fredloya.com\/car-insurance-coverage\/#Why_Choose_Fred_Loya_Car_Insurance_Coverage\" >Why Choose Fred Loya Car Insurance Coverage?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_Car_Insurance_Coverage\"><\/span>What Is Car Insurance Coverage?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Car insurance coverage is the scope of your car insurance. In other words, it defines what car-related incidents and expenses are covered by your insurance.<br \/>\nIt ensures your financial protection in case of an accident or another incident related to your car such as vandalism, theft or natural disaster.<\/p>\n<p>Depending on the type of coverage you choose, your car insurance can cover costs related to car repair, medical bills and lost wages, in addition to funeral costs and legal fees.<\/p>\n<p>Common car insurance terms to understand include:<\/p>\n<ul>\n<li><strong>Policy<\/strong>: A contract between you and your insurance company that details your coverage<\/li>\n<li><strong><span class=\"TextRun BCX0 SCXW193072822\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun BCX0 SCXW193072822\">Premium:<\/span><\/span><\/strong> The price you pay for your policy<\/li>\n<li><strong>Deductible:<\/strong> The amount of money you pay out of pocket when you file an insurance claim<\/li>\n<li><strong>Limits:<\/strong> The maximum amount of money your policy will pay for a specific type of coverage<\/li>\n<\/ul>\n<p>Every type of coverage includes limits, which you will agree on with your insurance agent when creating your policy.<\/p>\n<div>\n<div class=\"single-content-button\">\n<div class=\"single-content-button__content\">\n<p><strong class=\"single-content-button__title\">Call <a href=\"tel:1-800-444-4040\" rel=\"noopener\">1-800-444-4040<\/a> <\/strong><\/p>\n<p class=\"single-content-button__text\">and get a quote for your car insurance today.<\/p>\n<\/div>\n<div class=\"single-content-button__button\"><a class=\"btn btn-primary\" href=\"tel:1-800-444-4040\" rel=\"noopener\"> <span class=\"single-content-button__button-icon\">Request Quote<\/span> <\/a><\/div>\n<\/div>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Our_Car_Insurance_Coverage_Plans\"><\/span>Our Car Insurance Coverage Plans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Fred Loya offers affordable car insurance options for financial protection in the event of a car accident, theft, weather-related damage, car breakdown, bodily injury, and more.<\/p>\n<p>Our plans are flexible and allow you to combine different coverage plans to create a custom solution that fits your needs and budget. Find the best car insurance rates by contacting our Fred Loya Insurance agents.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Car_Insurance_Coverage_Types\"><\/span>Car Insurance Coverage Types<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3>Liability Coverage<\/h3>\n<p>Liability Coverage is mandatory in most states. It offers financial protection if you cause a car accident that results in injury or car damage.<\/p>\n<p><strong>Liability Coverage<\/strong> is divided in two parts: property damage and bodily injury. Most states require you to be insured for both.<\/p>\n<p><strong>Property damage<\/strong> covers repair costs for another person&#8217;s damaged vehicle as per the agreed coverage limits, when you are found at fault in an accident. It does not extend to costs related to repair for your own vehicle.<\/p>\n<p><strong>Bodily injury<\/strong> covers the cost of medical bills for injured parties, when you are at fault. In some cases, it may also cover expenses related to legal fees and lost wages, up to the agreed coverage limits. It does not extend to any injuries you may sustain in an accident.<\/p>\n<p>For financial protection relating to you, your passengers and your car, consider collision coverage, comprehensive coverage and medical payment coverage. Our agents will help you choose the best coverage for your needs and budget.<\/p>\n<h3>Medical Coverage<\/h3>\n<p>Options for medical coverage vary by state.<\/p>\n<p><strong>Personal Injury Protection<\/strong> (PIP) covers medical expenses for you and your passengers after a car accident, regardless of who is at fault. It may be optional or required, depending on your state.<\/p>\n<p>PIP extends to coverage for lost wages or child care if you are unable to work or care for your children after an accident.<\/p>\n<p><strong>Medical Payments Coverage<\/strong> is optional, and it is available only in states that do not offer PIP. It covers medical expenses related to injuries that you or your passengers sustain in a car accident, regardless of who was at fault.<\/p>\n<p>It can also extend to injuries you sustain if you\u2019re struck as a pedestrian or if you\u2019re injured while in someone else\u2019s vehicle, but it does not extend to coverage for lost wages or child care after an accident.<\/p>\n<h3>Uninsured Motorist Coverage<\/h3>\n<p>Uninsured Motorist Coverage pays for car repairs and medical expenses if you get into an accident with a driver who is not insured, and they are at fault for the accident.<\/p>\n<p>This type of coverage may be optional or required, depending on your state.<\/p>\n<h3>Vehicle Coverage<\/h3>\n<p>There are two types of vehicle coverage: collision and comprehensive.<\/p>\n<ul>\n<li><strong>Collision Coverage<\/strong> pays for vehicle repair costs related to an accident with another car or object.<\/li>\n<li><strong>Comprehensive Coverage<\/strong> pays for vehicle repair costs related to a covered loss such as flood, fire, vandalism or theft.<\/li>\n<\/ul>\n<h3>Additional Coverage Options<\/h3>\n<ul>\n<li><strong>Roadside Assistance<\/strong> covers costs related to towing services, fuel delivery and flat tire repair.<\/li>\n<li><strong>Rental Reimbursement<\/strong> covers costs associated with a rental car if your car is damaged and unavailable for use for more than 24 hours, as the result of a covered accident.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_To_Determine_The_Right_Amount_Of_Car_Insurance_Coverage\"><\/span>How To Determine The Right Amount Of Car Insurance Coverage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>To determine what type of coverage you need, the first step is to look at your state\u2019s minimum car insurance requirement. You can do this easily on a platform like ValuePenguin or by contacting our insurance agents.<\/p>\n<p>Once you know the minimum requirement, you can evaluate:<\/p>\n<ul>\n<li><strong>The risks:<\/strong> Weigh the risks associated with your coverage, such as the traffic, your level of experience and your vehicle\u2019s worth.<\/li>\n<li><strong>Your vehicle\u2019s worth:<\/strong> Keep in mind that in case of irreparable damage, your coverage will need to offset your car\u2019s value.<\/li>\n<li><strong>The lienholder\u2019s (lender\u2019s) requirements:<\/strong> Contact our Fred Loya insurance agents to learn about our options and requirements.<\/li>\n<li><strong>Your budget:<\/strong> Weigh how much can you afford to invest in car insurance per month vs. how much you can afford to cash out in case of an unpredictable car incident.<\/li>\n<\/ul>\n<p>Evaluating these key coverage points will help you choose the right car insurance option(s) for yourself, your loved ones and your property. If you need further help, our agents are ready to assist you.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Choose_Fred_Loya_Car_Insurance_Coverage\"><\/span>Why Choose Fred Loya Car Insurance Coverage?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Highly Competitive Rates<\/li>\n<li>Flexible Payment Options<\/li>\n<li>Immediate Coverage<\/li>\n<li>No Credit Check Required<\/li>\n<li>800+ Locations Across the US<\/li>\n<\/ul>\n<p>Fred Loya is an affordable car insurance provider with a proven history of delivering quality solutions for every budget. Founded in 1974, we are now a trusted partner with over 4.5 million policies sold.<\/p>\n<p>Over 3,000 employees in 800+ office locations across the United States are here to help you find car insurance coverage tailored to your needs and budget.<\/p>\n<p>We start with the state minimum car insurance requirements and add exactly what you need to make the policy right for you. You can find us in grocery stores and other retailers in your neighborhood.<\/p>\n<p>&nbsp;<\/p>\n<div class=\"single-content-button\">\n<div class=\"single-content-button__content\">\n<p><strong class=\"single-content-button__title\">Affordable Car Insurance Quotes<\/strong><\/p>\n<p class=\"single-content-button__text\">Call <a href=\"tel:1-800-444-4040\" rel=\"noopener\">1-800-444-4040<\/a> and talk with an agent today or find an office near you.<\/p>\n<\/div>\n<div class=\"single-content-button__button\"><a class=\"btn btn-primary\" href=\"\/locations\/\" target=\"_self\" rel=\"noopener\"><span class=\"single-content-button__button-icon\">Find Office<\/span><\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>What Is Car Insurance Coverage? Car insurance coverage is the scope of your car insurance. In other words, it defines what car-related incidents and expenses are covered by your insurance. It ensures your financial protection in case of an accident or another incident related to your car such as vandalism, theft or natural disaster. Depending&#8230;<\/p>\n","protected":false},"author":10,"featured_media":5902,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[5],"tags":[],"class_list":["post-298","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-coverage"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Fred Loya Insurance | Car Insurance Coverage<\/title>\n<meta name=\"description\" content=\"Questions about car insurance coverage? 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