Frequently Asked Questions

Insurance can be confusing, so we’ve put together a list of our most frequently asked questions to help you better understand how it all works.

Most Asked Questions - Auto Insurance

Check out our list of frequently asked auto insurance questions here at Amigo Insurance.

Typically, when another party is at-fault, their auto insurance is responsible for covering the cost of damages and medical expenses incurred up to their policy’s limitations. However, if you are involved in an accident with an uninsured driver, coverage for repair/replacement and/or medical costs would fall to your auto policy.

***This is especially important if you maintain liability only coverage on your vehicle rather than full coverage. Liability only coverage wouldn’t cover the cost to replace or repair your vehicle in the event you were involved in an accident caused by an uninsured driver.

If you are deemed at-fault in an accident where the damages and/or medical expenses exceed your policy limitations, then you can be held personally liable for the remaining costs incurred by the other party. For instance: If you have $25,000 in property coverage, but the damages to their vehicle totaled $30,000, you could be held liable for the remaining $5,000.

It’s important that you speak to your insurance agent about maintaining ample coverage to help protect you in the event of a claim.

Liability Only Insurance – Basic insurance that meets your state’s minimum insurance coverage requirements. It DOES cover the other driver’s vehicle, medical expenses, and property damage in an accident caused by you. It DOES NOT cover damages, repairs, or replacement of your vehicle.

Full Coverage Insurance – This insurance DOES cover your car in the event of an accident and includes liability insurance as well as property damage. With full coverage insurance, you will have a deductible that must be paid out-of-pocket, and your insurance company will cover the remaining portion of the claim. Deductibles are typically $500 or $1,000.

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