{"id":44770,"date":"2022-01-11T10:00:42","date_gmt":"2022-01-11T18:00:42","guid":{"rendered":"https:\/\/usaccidentlawyer.com\/?p=44770"},"modified":"2025-08-15T19:27:23","modified_gmt":"2025-08-15T19:27:23","slug":"how-auto-insurance-works","status":"publish","type":"post","link":"https:\/\/dklaw.com\/es\/the-fine-print\/how-auto-insurance-works\/","title":{"rendered":"C\u00f3mo Funcionan los Seguros de Auto"},"content":{"rendered":"<div class=\"dklaw-section dklaw-hero dklaw-hero__blog align wp-block-dklaw-hero-blog has-background has-primary-beige-background-color\"><div class=\"acf-innerblocks-container\">\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\"><div class=\"dklaw-breadcrumbs align wp-block-dklaw-breadcrumbs\"><a href=\"https:\/\/dklaw.com\">Home<\/a><a href=\"https:\/\/dklaw.com\/es\/the-fine-print\/how-auto-insurance-works\/\" class=\"current\">How Auto Insurance Works<\/a><script type=\"application\/ld+json\">\n\t{\n\t  \"@context\": \"https:\/\/schema.org\",\n\t  \"@type\": \"BreadcrumbList\",\n\t  \"itemListElement\": [\n\t\t  {\n\t\t\t\t\"@type\": \"ListItem\",\n\t\t\t\t\"position\": 1,\n\t\t\t\t\"name\": \"Home\",\n\t\t\t\t\"item\" : \"https:\/\/dklaw.com\"\n\t\t\t},{\n\t\t\t\t\"@type\": \"ListItem\",\n\t\t\t\t\"position\": 2,\n\t\t\t\t\"name\": \"How Auto Insurance Works\",\n\t\t\t\t\"item\" : \"https:\/\/dklaw.com\/es\/the-fine-print\/how-auto-insurance-works\/\"\n\t\t\t}\n\t  ]\n\t}\n\t<\/script><\/div>\n\n\n<h1 class=\"wp-block-heading\">How Auto Insurance Works<\/h1>\n\n\n<div class=\"dklaw-hero__blog-meta align wp-block-dklaw-hero-blog-meta\"><div class=\"acf-innerblocks-container\">\n<div class=\"dklaw-taxonomies align wp-block-dklaw-taxonomies\"><a href=\"https:\/\/dklaw.com\/es\/learning-hub\/?_topics=insurance-and-claims\" rel=\"nofollow\">Insurance &amp; Claims<\/a> <\/div>\n\n\n<p class=\"has-primary-gray-color has-text-color\">Reading Time: 6 Minutes<\/p>\n\n<\/div><span>January 11, 2022<\/span><span>Michelle Lysengen<\/span><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/dklaw.com\/wp-content\/uploads\/2025\/06\/car-insurance-1024x683.jpg\" alt=\"Drivers looking distressed next to damaged vehicles\"\/><\/figure>\n<\/div>\n<\/div>\n\n<\/div><\/div>\n\n<div class=\"dklaw-section dklaw-toc alignfull wp-block-dklaw-toc\"><div class=\"acf-innerblocks-container\">\n<div class=\"dklaw-toc__sidebar align wp-block-dklaw-toc-sidebar\"><div class=\"dklaw-toc__sidebar-menu\"><h4 class=\"dklaw-toc__sidebar-toggle\">Jump To<\/h4><ul><\/ul><\/div><div class=\"acf-innerblocks-container\">\n<div class=\"dklaw-card align wp-block-dklaw-card has-background has-primary-black-background-color\"><div class=\"acf-innerblocks-container\">\n\n<h4 class=\"wp-block-heading has-primary-white-color has-text-color\">Every 4 minutes.<\/h4>\n\n\n\n<p class=\"has-primary-white-color has-text-color\">On average, every 4 minutes someone picks up the phone and calls us for help. That kind of trust says everything.<\/p>\n\n\n\n<div class=\"wp-block-button is-style-button-phone\"><a class=\"wp-block-button__link has-primary-yellow-background-color has-background wp-element-button\" href=\"tel:8002010265\">800-201-0265<\/a><\/div>\n\n<\/div><\/div>\n<\/div><\/div>\n\n<div class=\"dklaw-toc__blocks align wp-block-dklaw-toc-blocks\"><div class=\"acf-innerblocks-container\">\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<p><span style=\"font-weight: 400;\">It is estimated that there are around 35 million <\/span><a href=\"https:\/\/www.bankrate.com\/insurance\/car\/uninsured-motorist-statistics\/#:~:text=How%20many%20uninsured%20drivers%20are,eight%20drivers%2C%20says%20the%20IRC.\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">uninsured drivers<\/span><\/a><span style=\"font-weight: 400;\"> in the U.S. This number changes drastically depending upon the state you are in. Sometimes, this is based on the cost of auto insurance. Other times, it\u2019s because drivers are not sure which auto insurance provider to go with.\u00a0<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Finding the right insurance can be confusing. Learn how auto insurance works and which policies you absolutely cannot afford to skip.&nbsp;<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Car Insurance Pricing<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Car insurance is priced using a number of variables. It is also not uncommon to get vastly different quotes from different companies. These can include:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-list\">\n<li><strong>The type of car being insured<\/strong><\/li>\n\n\n\n<li><strong>How long has the policyholder been driving<\/strong><\/li>\n\n\n\n<li><strong>The age of the policyholder<\/strong><\/li>\n\n\n\n<li><strong>Driving record<\/strong><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">There are a few terms you should know about when you start looking for auto insurance. One term you may see is the <\/span><a href=\"https:\/\/www.caranddriver.com\/car-insurance\/a35590611\/car-insurance-premium\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">premium<\/span><\/a><span style=\"font-weight: 400;\">. This is simply the amount of money you have to pay the insurance company to cover your vehicle.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Another term is <\/span><a href=\"https:\/\/www.insurance.ca.gov\/01-consumers\/105-type\/95-guides\/01-auto\/auto101.cfm\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">deductible<\/span><\/a><span style=\"font-weight: 400;\">. This is an amount you pay before the insurance company will pay out. You can raise your deductible to bring down the overall cost of your insurance.\u00a0<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">For example, imagine you have an accident that requires $2,000 worth of repairs. If your deductible is $500, you pay this amount, and the provider will fund the other $1,500.\u00a0<\/span><\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Types of Auto Insurance<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/dklaw.com\/wp-content\/uploads\/2025\/06\/auto-insurnace-1024x944.jpg\" alt=\"Broken windshield from fallen tree\"\/><\/figure>\n\n\n\n<p><span style=\"font-weight: 400;\">Not all auto insurance offers the same coverage. You may find certain policies only cover some accidents, while others do not. Here\u2019s a breakdown of the most common types of auto coverage in California.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Liability<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">If you are responsible for a car accident, then you are <\/span><a href=\"https:\/\/www.findlaw.com\/injury\/car-accidents\/fault-and-liability-for-motor-vehicle-accidents.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">liable<\/span><\/a><span style=\"font-weight: 400;\">. Financially, this means you will have to cover the costs for the victim\u2019s vehicle repairs and medical bills. It is the most basic form of cheap auto insurance, often known as minimum coverage.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Liability insurance can be divided into two parts. Depending upon the rules in your state, you will probably have to get both. These two parts cover:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-list\">\n<li><strong>Damage to personal property<\/strong><\/li>\n\n\n\n<li><strong>Bodily injury\/physical damage to other involved parties<\/strong><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Keep in mind that liability only covers the victim(s), not yourself. Additionally, this means you will have to pay for your own medical bills and vehicle repairs out of pocket.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comprehensive<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">Comprehensive insurance is one of the more misleading policies. It sounds like this type of insurance covers all aspects of the accident. However, it does not.&nbsp;<\/span><span style=\"font-weight: 400;\">In fact, it only covers damage to a vehicle caused by anything other than another vehicle. This includes:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-list\">\n<li><strong>Vandalism<\/strong><\/li>\n\n\n\n<li><strong>Theft<\/strong><\/li>\n\n\n\n<li><strong>Hitting an animal<\/strong><\/li>\n\n\n\n<li><strong>Adverse weather damage<\/strong><\/li>\n<\/ul>\n\n\n\n<p><span style=\"font-weight: 400;\">Nothing covered under liability insurance comes under comprehensive. Therefore, no medical bills or car repairs from a traffic accident are paid out. Additionally, it does not cover if you hit a stationary object, like a mailbox or a wall.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Car owners may opt out of this type of coverage. However, for those who leased a car or took out a loan to purchase a car, comprehensive insurance is needed. In fact, it is often required, per the terms of the lease or loan agreement.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Collision<\/h3>\n\n\n\n<p><span style=\"font-weight: 400;\">You can think of collision coverage as an extension of comprehensive coverage<\/span>. It provides coverage for<span style=\"font-weight: 400;\"> your car, even if you are not driving when the collision takes place. For example, if your friend is the driver when the accident occurs, collision insurance would cover the accident.\u00a0<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Unlike comprehensive, this auto insurance covers collisions with stationary objects. However, collision coverage does not cover any damage to other involved vehicles, nor does it cover medical bills.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Collision insurance is most beneficial to new drivers who are prone to nicks and dents.\u00a0<\/span><\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">How to Find Affordable Auto Insurance<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Sometimes, choosing the least pricey auto insurance is not always the best option. If you\u2019re involved in an accident with minimal coverage, you will end up in a financial dilemma.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">The best policy should be the one that provides the most auto coverage for your lifestyle at an affordable price.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">For example, full coverage offers liability, collision, and comprehensive coverage. However, most drivers may not need all of that. If you have an older car, collision coverage may not be worth the payoff.\u00a0<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Therefore, make sure you speak with a range of providers and shop around for the best deal. There are well-known providers, as well as smaller local firms. Online price comparison sites are a great resource. Just keep in mind that these sites take an affiliate fee, so it may be worth contacting the companies yourself.&nbsp;<\/span><\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">What Auto Insurance Does Not Cover<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">Even with full coverage, there are some areas that your policy will not cover. For example, the coverage that is not typically covered includes wear and tear. If your car is suffering from general age-related problems or failures, then you will have to pay for this out of pocket.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">If you want to add people other than yourself to the policy, this will also need to be done separately. That means your policy will not transfer to other drivers in your car, or if you are driving in someone else&#8217;s vehicle.\u00a0<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Lastly, you will not be covered if you are a contracted driver for a rideshare company. Any service like <\/span><a href=\"\/the-fine-print\/8-reasons-to-hire-a-lyft-accident-lawyer-in-los-angeles\/\"><span style=\"font-weight: 400;\">Uber or Lyft<\/span><\/a><span style=\"font-weight: 400;\"> has very complicated insurance needs. You will need specialist business coverage for this.<\/span><\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-toc__block align wp-block-dklaw-toc-block\"><div class=\"acf-innerblocks-container\">\n\n<h2 class=\"wp-block-heading\">Auto Insurance Claims<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">When you have an accident or become involved in an auto insurance claim, it is always best to get legal representation. Insurance companies are trained to reduce settlements in <a href=\"\/practice-areas\/car-accidents\">car accident cases<\/a>. This can mean you don&#8217;t get the payout you deserve. To prevent this from occurring, consult with an experienced personal injury law firm.\u00a0<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">DK Law has recovered over $300 million in compensation and verdicts for injured victims. If you were involved in a car accident and have questions, <a href=\"\/contact\">contact us<\/a> and schedule your free consultation today.\u00a0<\/span><\/p>\n\n<\/div><\/div>\n\n<div class=\"dklaw-author align wp-block-dklaw-author has-text-color has-primary-black-color has-background has-tertiary-blue-background-color\"><div class=\"dklaw-author__block\"><div class=\"dklaw-author__image\" style=\"background-image:url(https:\/\/dklaw.com\/wp-content\/uploads\/2025\/07\/michelle.jpeg);\"><\/div><div><p class=\"dklaw-author__block-about\">About the Author<\/p><h4 class=\"wp-block-heading is-style-heading-serif\">Michelle Lysengen<\/h4><h6><\/h6><p>Michelle is a content specialist at DK Law and creates content that highlights company events and breaks down complex legal topics into digestible, engaging content. She earned her B.A. in Marketing from California State University, Fullerton.<\/p>\n<div class=\"dklaw-author__social-icons\"><a href=\"https:\/\/www.linkedin.com\/in\/michelle-lysengen\/\"><svg width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><g clip-path=\"url(#clip0_5702_21335)\"><path d=\"M15.7416 0H1.25508C0.561133 0 0 0.547852 0 1.2252V15.7715C0 16.4488 0.561133 17 1.25508 17H15.7416C16.4355 17 17 16.4488 17 15.7748V1.2252C17 0.547852 16.4355 0 15.7416 0ZM5.04355 14.4865H2.52012V6.37168H5.04355V14.4865ZM3.78184 5.26602C2.97168 5.26602 2.31758 4.61191 2.31758 3.80508C2.31758 2.99824 2.97168 2.34414 3.78184 2.34414C4.58867 2.34414 5.24277 2.99824 5.24277 3.80508C5.24277 4.60859 4.58867 5.26602 3.78184 5.26602ZM14.4865 14.4865H11.9664V10.542C11.9664 9.60234 11.9498 8.39043 10.6549 8.39043C9.34336 8.39043 9.14414 9.41641 9.14414 10.4756V14.4865H6.62734V6.37168H9.04453V7.48066H9.07773C9.41308 6.84316 10.2365 6.16914 11.4617 6.16914C14.015 6.16914 14.4865 7.84922 14.4865 10.034V14.4865Z\" fill=\"#08368B\"\/><\/g><defs><clipPath id=\"clip0_5702_21335\"><rect width=\"17\" height=\"17\" fill=\"white\"\/><\/clipPath><\/defs><\/svg><\/a><\/div><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n<div id=\"form\" style=\"--bg-image: url(\/wp-content\/themes\/dklaw\/img\/dklaw-form-bg.jpg);\" class=\"dklaw-section dklaw-cta dklaw-cta-form alignfull wp-block-dklaw-cta-form has-background has-primary-beige-background-color\"><div class=\"acf-innerblocks-container\">\n\n<div class=\"wp-block-columns has-primary-black-background-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column dklaw-cta-form__bg-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<h2 class=\"wp-block-heading dklaw-cta-form__heading has-primary-white-color has-text-color\">DK <em>All the way<\/em><\/h2>\n\n\n<div 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