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Understanding Auto Insurance Coverage
An average auto insurance policy will include different components of coverage, which work together to create an
individual insurance policy. The different options can cover you from different occurrences, damages or accidents.
To build the policy you want it’s important to understand what each common type of Auto insurance covers.
Liability Coverage & Different types of liability coverage :
Depending on which state you live, you may be required to carry a minimum amount of liability coverage to register your vehicle or obtain a driver's license. Liability coverage helps pay for damages
that may arise from your actions.
Legally required for drivers in almost every state, Liability coverage includes Bodily Injury and Property Damage coverage, which pay for someone’s medical expenses, personal injuries, and property damage if you’re at-fault.
Collision Coverage protects you if you were to hit something like another vehicle or a fixed object like a guard rail, lamp post, or telephone poll, Collision Coverage helps pay for the damages to your car.
If your car is broken into or harmed in another way then Comprehensive Coverage will apply to recovering certain damages
Comprehensive covers losses from things other than an accident, like vandalism, riots, floods, hail, fire, animal collisions, and theft.
Personal Injury Protection.
PIP covers a wider range of costs than basic Medical Payment coverage . It can help pay for medical and rehabilitation expenses, work loss, funeral costs, and even replacement services.
Different states require a minimum amount of PIP coverage.
Uninsured/Underinsured Motorist Coverage. These days, about 1 in 7 drivers are completely uninsured…and about 30% of drivers don’t have enough insurance. That’s why it’s important to consider Uninsured/Underinsured Motorist Coverage. It provides Liability (Bodily Injury and Property Damage) coverage for you, if an uninsured or underinsured motorist is at fault in an accident.
An uninsured motorist clause is a provision commonly found in the United States. This is a type of automobile insurance policy that provides for a driver to receive damages for any injury he or she receives from an uninsured, negligent driver. The owner of the policy pays a premium to the insurance company to include this clause. Although not exclusive, this coverage is typically added to an automobile insurance policy. In the event of a qualifying accident, the insurance company pays the difference between what the uninsured driver can pay and what the injured driver would be entitled to as if the uninsured motorist had proper insurance.
Medical Payments will cover you or anyone in your car is ever hurt in an accident, Medical Coverage can pay for their medical expenses.
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