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What Does Auto Insurance Cover?
Most states mandate that you have some level of auto insurance. Although, the level of coverage that is required varies greatly. Regardless, most basic car policies consist of six types of coverage.
The types of coverage offered by auto insurance include the following.
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Bodily Injury Liability
This coverage applies to any injuries that the designated driver or policyholder causes to someone else. This is important because, if you are sued after being involved in a serious accident, you may be required to pay a large sum of money. This type of coverage is required by most states, though if you only have a minimal amount of liability coverage, you’ll end up paying out-of-pocket to cover the difference.
Medical Payments or Personal Injury Protection
If the driver or passengers of the policyholder’s car get injured in an accident, this coverage will pay for treatment. The broadest forms of personal injury protection will cover medical payments, lost wages, funerals, and the cost of replacing services normally performed by someone who was injured in an accident.
Property Damage Liability
This coverage pays for any damage you or someone driving your car causes to someone else’s property. This is typically used to pay for damage you cause to someone else’s car, but it can also cover damage done to lamp posts, telephone poles, or other structures that you’ve hit.
Collision
Collision coverage pays for any damage caused by a collision between your car and another car or other object. Damage caused by potholes will also be covered by this portion of your policy. There is normally a separate deductible for collision coverage, which must be paid before your insurance will cover the cost of repairing the vehicle.
Comprehensive
This covers loss due to theft, damage caused by something other than a collision, and other events, like fire, falling objects, missiles, explosions, earthquakes, and hail. There are separate deductibles included with comprehensive coverage, so though the glass on your vehicle may be protected without an additional deductible.
Uninsured and underinsured motorist coverage
This reimburses you or a designated driver if one of you is hit by an uninsured driver or someone who doesn’t have sufficient insurance to pay for your total loss. If a covered driver is injured in a hit-and-run accident, this part of the plan will also cover that damage.
Find Auto Insurance
There are many auto insurance options to choose from. So, get help comparing them all. Call Insured For Life to get a free quote on coverage in your area.
