What Is Personal Automobile Insurance?

1. 

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   Drew Overman

   Personal automobile insurance is car insurance in general. Personal automobile insurance can cover just liability or you can cover your own car as well with physical damage. Auto insurance is required by law and there are state minimum coverage limits vary by state. Personal automobile insurance will cover autos owned by individuals instead of a commercial auto policy that covers commercial autos.

   Answered on March 24, 2015

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   Tom Sheehan

   Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482

   Personal Auto Insurance is an insurance coverage form that is designed and used specifically to insure private passenger motor vehicles and their owners. Most states require that one shows proof of having a personal auto policy that includes and names each car that is to be registered for use on public access roads and highways. States who require this are looking to make sure that there is liability coverage and usually matching Uninsured/Underinsured Motorist coverage in place. In addition to the liability protection a personal auto policy may also include coverage for physical damage to the car you own in the form of Comprehensive and Collision protection. These would be required if your car is leased or financed. Other optional coverages may include roadside assistance, Vanishing Deductible, Accident and/or vioation forgiveness, New Car replacement etc. Talk to your Insurance Professional about all of the coverage and benefit options available so that you receive teh protection you need at the best price available.

   Answered on March 27, 2015

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   Ty Peck

   Agency Producer, Farmers Insurance, Ferndale, WA

   Great question! Personal automobile insurance is your auto policy for your personal vehicles. Companies need to separate the personal policies from the business policies as the coverage/liability is different. If you use your vehicle for business (other than commuting) than you should contact your insurance company to make sure you have the right coverage. Hope this helps!

   Answered on December 7, 2015

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