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Auto as well as motorcycle insurance policy terms and conditions.

There are a number of auto insurance myths. There are various things to consider when shopping for a policy, as well as reality or “truths” behind each of them. Understanding what to look for as well as some of the critical terms is very important. It can not only lead to savings, but after all having a policy to fully protect your family is critical.

Insurance is needed in many areas of your life, and maybe the most important is for a car as that is where accidents all too commonly occur. It protects you and your family from financial ruin or devastating emotional consequences. It covers medical bills, damages, and injuries from the driver of the other vehicles involved. Some of the key points to look for when shopping around at different companies include the following.

Definitions of auto policies

A comprehensive auto policy is very different from a collision policy. They will both have different amounts of coverage as well as annual premiums. Collision covers things like hitting another car or object or having your car be hit first. So it addresses physical damages.

Contrast this to comprehensive, and the conditions of those policies. This covers acts of nature like floods and fires, tornadoes, hurricanes, acts of vandalism, etc. So those “accidents” that are out of the driver's control. Comprehensive auto insurance does cover many scenarios, however, it is always wise to check the extent of coverage from your policy.

Your annual automobile insurance rate is determined by many deciding factors like driving history and what type of car or truck you drive. Good rules to follow include being a safe, defensive and conscientious driver. Do not text, talk on the phone or engage in other distracting behaviors while on the road. This can really help a family cut down on their premiums.

In addition, choosing a safe and moderately priced car that you can afford may help reduce rates. Also factor in the cost of insurance when determining whether you can afford to buy the automobile or not, as the cost does add up over the years.

Using your car for business purposes is not covered by your personal auto insurance. There is a big difference between “work” and “pleasure”, as the conditions of your policy documents will clearly state. Therefore a separate policy is required for things like driving for a ridesharing company or commercial purposes.





Auto insurance does not necessarily cover the driver of the car. It’s worth consideration when loaning your automobile out to someone. Always closely review the terms and conditions of your policy before allowing someone to borrow your auto. If it is unclear, call your provider for a clearer definition of your coverage.

The driver’s insurance may not comprehensively cover an accident (if they caused it), which would lead to you having to file a claim with your own insurance company. There are exceptions (if the driver did not cause the accident, etc.), however, it’s important to check state regulations and make sure you trust whoever you lend your car out to.

Terms of motorcycle insurance policies

Motorcycle insurance has various subsets including protection options that cover custom parts, riding gear and helmets. It is really completely different coverage than what a car owner needs. There is also insurance for specific types of bikes like dirt bikes, ATVs and scooters. It’s good practice to have the most appropriate and comprehensive coverage when owning these types of vehicles.

Even if you only use a motorcycle a few times a year, maintaining year round coverage is key. Ask for a discount on your premium during the “off-season”, as some carriers may provide this. Or if that is not allowed, ask for any other terms that can be offered to you in the motorcycle policy that can cut back on the cost of it. But you need to always be insured all 12 months of the year as bikes are still at risk for theft, fire and vandalism which in turn would make you financially responsible.


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By Jon McNamara

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