You can also purchase comprehensive and collision coverage. Comprehensive coverage protects against damage to your car caused by acts of nature or other events unrelated to the operation of the car. Collision coverage protects against damage to your car when you are involved in an accident. A personal vehicle used for business purposes may not be covered under a personal auto policy.
This type of policy generally provides coverage for the personal use of cars and will exclude coverage for transporting people or goods in exchange for compensation or payment of a fee. Some personal auto policies may also indicate that they will not provide coverage if the personal vehicle is used for retail or wholesale deliveries, which may include the delivery of magazines or newspapers. An auto policy that has been in effect for less than sixty (60) days may be canceled for any reason if the notice is delivered before sixty days have elapsed from the effective date of the policy. The Property and Accident Division of the Arkansas Department of Insurance administers residual or assigned risk plans for workers' compensation and auto insurance.
A commercial auto policy will provide coverage to protect you and your company if the vehicle is used primarily for business purposes. If you can't find an insurance company that accepts you and provides you with auto policy coverage, your local insurance agent can submit a request to the South Dakota Auto Plan on your behalf. If the claim is mailed to the health insurance company, the health insurance company has forty-five days to pay the claim. Collision coverage covers damage to the covered car caused by a nuisance or impact with another vehicle or object.
Comprehensive This coverage covers damage to the covered car caused by something other than a collision. Contact your local agent to determine if the current policy covers any incidental commercial use. Coverages for uninsured drivers cover you and your car if the other driver is at fault and doesn't have liability insurance. An auto policy will not cover any vehicle other than your covered car, that is owned by you or a member of your family, and that has been furnished or is available for regular use.
This coverage protects you against a claim for damage to another vehicle or property in an accident for which you are responsible. If your car is damaged by hail, the insurance company is required to repair your car to the extent that it is returned to the condition it was in before the damage. Review the language of the auto policy to determine what would be covered or excluded from your insurance policy. An auto policy will cover a replacement or temporary vehicle when your insured vehicle is out of normal use due to a breakdown, repair, maintenance, loss, or destruction.
This coverage protects you against a claim filed by a person who has been injured in a car accident for which you are responsible.
