Essential 车 保险 Guide: Coverage Explained


Stay informed and protected while you're on the road. Explore these common vehicle insurance coverages to determine which is the best fit for you.

Are you confused about the difference between liability and comprehensive coverage? Heard the words "GAP 保险" but not sure if it's the right choice for you?

不要压力. 我们已经把你覆盖了 明确的定义,相关的统计数据,以及 examples to help you make the most informed decision possible. 

Liability insurance: keeping you and others safe.

Liability insurance is there to help if you accidentally cause harm to someone or damage their property. 责任保险包括两个部分:

人身伤害责任 may help pay for medical expenses for the other person, if you were at fault for the accident. Here's how it works: Let's say you ran a red light and hit another car, and the person in the other car gets hurt and needs to go to the hospital. 如果你有人身伤害责任保险, you won't have to pay all the medical bills for the other person out of your own pocket.

财产损害责任 may help pay for damage you cause to another person's property while you were driving. Here's an example of that: While leaving for work, you back in to your neighbor's 栅栏. 没有人受伤, except the newly painted wood 栅栏 your elderly neighbor just finished has been destroyed. 财产损害责任 insurance will ensure that you aren't paying for everything out of pocket when replacing the 栅栏 (and hopefully your elderly neighbor will understand that accidents happen). 

根据 路易斯安那州的法规, everyone is legally required to have liability coverage on every vehicle they own.

Uninsured and underinsured motorist coverage: your safety net.

Remember the liability insurance we just covered? Well unfortunately, not everyone gets the chance to read this article.

Meeting a driver without insurance is more common than you'd think. 事实上, about one in eight drivers were uninsured in 2019, according to a 2021 study by the 保险研究委员会.

If one of those uninsured drivers causes damage to your car or causes you harm in an accident, 没有保险的司机保险可以提供帮助. It pays for repairs or medical bills when the other person's insurance can't.

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Comprehensive coverage: guarding against surprises.


Comprehensive coverage protects you from things you can't control, 比如冰雹或掉落的树枝. Imagine your car getting dinged by hail—comprehensive coverage steps in to pay for the repairs. It makes sure you're not stuck with the bill for things you didn't see coming.


Accidents can happen, and that's where collision coverage comes in.

If your car crashes into something, this coverage pays for the repairs or a new car. 这是 especially helpful if you're still paying for your car, making sure you're not left with a big bill after an accident. 事实上, most places won't even sell you a car without collision coverage, 如果你不打算直接买下它. 

While liability coverage pays for the damages to the other person's vehicle, collision coverage ensures that your car gets fixed or replaced, 太.


GAP代表保证资产保护. 这是 an optional add-on coverage that can be a real lifesaver.

Picture this: You're in a bad accident, and your car is extensively damaged. Your mechanic drops the bomb—your car is totaled. You have collision insurance, but here's the catch. Your car is three years old, and its actual cash value is only $20,000. However, you still owe $25,000 in payments on it! 现在, 你有一笔资金缺口需要弥补, and that's where GAP insurance steps in (minus your deductible).

与一些人的想法相反, gap insurance doesn't mean your insurance provider pays you the full amount you originally paid for your car. 而不是, it comes to your rescue by covering the financed amount you currently owe on your car at the time of a covered accident. So, 在我们的例子中, 如果你欠25美元,你的车上有000英镑, gap insurance helps cover that amount (minus your deductible), 让你免受经济打击.

相关文章: 买一份保护计划明智吗?

Making sure you stay safe on the road is more than just having the right insurance—it's about making informed decisions. If you're thinking about streamlining your vehicle expenses, think about refinancing. 路易斯安那FCU的车辆再融资 program can save you money and give you the peace of mind you deserve. 自信驾驶.


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