When you buy auto insurance, it’s important to keep in mind the different types of coverage available.
Direct auto insurance is the type that comes directly from your insurance company, rather than from a broker.
If you buy direct auto coverage from your insurer, you pay the premiums directly.
You’re responsible for paying the deductible.
Direct insurance coverage can’t include out-of-pocket costs like out- of-network medical costs or medical expenses from a spouse or family member.
Direct coverage also doesn’t cover a loss in your vehicle or in your home, and you’re not required to pay a deductible or co-pay for a collision.
There are some exceptions to the direct auto rules.
You may be able to choose to buy direct coverage in the form of an individual policy, in which case you’re responsible only for your own premiums.
A more complex type of direct auto policy is a group policy, where you buy insurance on behalf of your group of people.
If your spouse or child has a serious health condition or needs a doctor or other health care professional, you may be responsible for a group health insurance policy.
You can purchase direct auto health insurance through your state’s insurance exchange.
In some states, such as Florida, you can choose to be able cover your spouse’s or child’s direct auto premiums.
If the policy includes an out-door policy, you’re generally not required or obligated to cover your direct auto costs.
Direct Auto Coverage For many people, direct auto is the cheapest and easiest way to cover out-doors, but you may want to consider a more complex policy if you have an older car.
You’ll probably want to shop around for an auto policy that covers your direct costs, such a a home, garage, or other out-there location.
When choosing a policy, ask your insurance agent to tell you if your vehicle is covered, and if so, how much you’ll be responsible.
In addition, you’ll want to ask your insurer to tell your policy the out-home deductible and deductible co-pays, as well as any auto expenses for a trip to the grocery store or to a doctor’s office.
Direct premiums from your car insurance policy can vary by state.
For example, some states require you to pay for your auto insurance with a monthly payment that’s higher than the deductible and co-payment requirements.
Some states require that you pay your direct premiums directly to your policy provider, and some don’t.
Some insurers offer no deductible or deductible co theoutout-of pocket costs for a visit to a pharmacy, a grocery store, or an auto repair shop.
For more information on car insurance, go to www.insureyourcar.gov or call 1-800-979-2526.