Auto insurance types
There are many different types of auto insurance coverage to choose from, depending on what you want covered and what you can afford. Where should you get started?
If you own a car, no doubt you’ll understand when people sit around complaining about the cost of their car insurance.
But, the fact is that the cost of your car insurance is going to depend as much on what type of car insurance you buy as it is on what insurance company you use to insure your car.
Some important kinds of auto insurance policies are as follows: Comprehensive: This covers damage to your car that results from something other than a collision like theft, fire, weather and many other causes.
Bodily Injury & Liability:
It pays the medical and other expenses of those people injured or killed in accidents you cause. It covers you, your family members and others driving with your permission.
Personal Injury Protection:
It pays medical expenses for you and others riding in your car resulting from an accident, regardless of who was responsible It also pays for you or your family members injured while riding in another's car or while walking. The main benefit of this coverage is that, the expenses are paid by insurance company without the need for legal proceedings.
Property Damage Liability:
It covers the damage your car causes to someone's property. It does not cover your property, including your auto.
Collision:
It pays for repairs of damage to your car caused by a collision with another vehicle or any other object, regardless of whose fault it is.
Uninsured Motorist Coverage:
Pays for physical injury or death caused by an uninsured driver or a hit and run driver who is responsible for the accident.
Underinsured Motorist coverage:
Pays for damage to your car or injury or death caused by an insured driver whose Liability coverage limit is insufficient to cover the losses incurred.
The benefits are paid to you and any passengers in your vehicle, or to any pedestrian you injured.
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