Car Insurance Coverage: The 411

Everyone who owns a vehicle needs auto insurance. Different auto insurance policies offer different kinds of insurance coverage. Some of this coverage may be required by your state and some of them may be optional.

Liability coverage
Liability coverage will give you protection against the risk that you will injure or damage someone or someone’s property. Liability coverage is usually purchased as part of your auto cheaper car insuranceinsurance policy and it will pay for damage you cause with your car to someone else’s car and to the occupants of that car. It also pays for the lawyer and court fee you will have to incur if you are sued as a result of an auto accident you caused. Liability coverage is of two kinds: Bodily Injury Liability Insurance and Property Damage Liability Insurance.
Collision Coverage
The collision coverage pays for damages that your vehicle may sustain as a result of a collision with another vehicle or object.

Uninsured Motorist Coverage
This coverage pays for the injuries, damages or death you or the insured members of your family sustain as a result of an accident caused by an at-fault uninsured or hit-and-run driver. If the driver who caused the accident has no insurance, your insurer will cover your medical expenses, up to the limit on your policy.

Underinsured Motorist Coverage
This gives you, the insured members of your household and your passengers protection against the injuries, damages or death caused by the negligence of a motorist with insufficient insurance. If you have an accident with a person whose insurance coverage is not sufficient to meet your expenses, your policy will meet the difference.

Rental Car Reimbursement
This gives you protection against the cost you may incur in renting a car if your car is not drivable or while your car is being repaired because of a covered accident.

Comprehensive Coverage
The comprehensive coverage gives protection against the loss or damage your vehicle may suffer due to causes other than an auto accident. For instance, your vehicle can suffer damage due to fire, wind, hail, flood, vandalism and theft. A comprehensive coverage will pay for these car insurance quote

Medical Coverage
If you purchase this coverage your auto insurer will pay your medical expenses caused by an auto accident.

Personal Injury Protection (PIP)
Some states require that you purchase a Personal Injury Protection as part of your auto insurance policy. The PIP coverage gives protection against the medical expenses an insured driver may sustain due to an auto accident.

Most insurance policies include one or more of these types of coverage. You should choose the one that offers you best protection within the amount you can pay in premiums.

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