Auto insurance is a must-have for any driver. Whether you are a new driver or an experienced one, you need to have auto insurance coverage. When it comes to auto insurance, there are a lot of options available. One of the popular options is general auto insurance. In this article, we will go through everything you need to know about general auto insurance.
What is General Auto Insurance?
General Auto Insurance is a basic and standard coverage that provides liability coverage for bodily injury and property damage to others caused by you in an accident. It is the most common auto insurance coverage that you can buy. It is also known as liability insurance. It covers damages caused by you in an accident, but it doesn’t cover damages to your own car. General Auto Insurance is mandatory in almost all states in the United States.
The Coverage of General Auto Insurance
The coverage of general auto insurance is limited to liability coverage. It covers the following:
Coverage |
Limit |
Bodily Injury Liability |
$25,000 per person/$50,000 per accident |
Property Damage Liability |
$25,000 per accident |
The above limits are the minimum requirement. Depending on the state, the limits may vary. You can always increase the limits to have better coverage.
What General Auto Insurance Doesn’t Cover?
General Auto Insurance doesn’t cover the following:
- Collision Coverage
- Comprehensive Coverage
- Personal Injury Protection
- Uninsured/Underinsured Motorist Coverage
If you need any of the above coverage, you need to buy them separately.
Why You Need General Auto Insurance?
General Auto Insurance is mandatory in almost all states. If you don’t have auto insurance coverage, you may face legal penalties. You may also be liable to pay for damages caused by you in an accident if you don’t have auto insurance coverage. General Auto Insurance provides you with liability coverage at an affordable price. If you are a new driver or have a clean driving record, you can have a lower premium rate compared to other types of coverage.
FAQ: General Auto Insurance
Q: Is general auto insurance mandatory?
A: Yes, general auto insurance is mandatory in almost all states.
Q: What does general auto insurance cover?
A: General auto insurance covers liability coverage for bodily injury and property damage caused by you in an accident.
Q: What doesn’t general auto insurance cover?
A: General auto insurance doesn’t cover collision coverage, comprehensive coverage, personal injury protection, and uninsured/underinsured motorist coverage.
Q: Can I increase the limits of general auto insurance?
A: Yes, you can always increase the limits of general auto insurance to have better coverage.
Q: How much does general auto insurance cost?
A: The cost of general auto insurance varies on various factors such as location, age, driving record, and coverage limits.
Conclusion
General Auto Insurance is a basic and mandatory coverage for any driver. It provides you with liability coverage for bodily injury and property damage caused by you in an accident. It doesn’t cover damages to your own car or any other additional coverage. If you need any extra coverage, you need to buy them separately. The cost of general auto insurance varies on various factors. Make sure you have enough coverage to protect yourself and others in case of an accident.
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