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Standard cars insurance policies contain various types of coverage. Let's first discuss liability insurance. This is probably the most important type of cars insurance, and most state auto insurance laws require it. Liability car insurance protects you against the cost of damage and injury that you cause to another in an automobile accident. It's actually made up of two different policies, bodily injury liability, and property damage liability. As you might guess, bodily injury insurance protects you from the cost of personal injury to others, and property damage insurance protects you from the cost of damage you cause to any physical property with your vehicle. So, get in touch with us for best auto insurance quote.
You've
probably seen cars insurance policies or services described
by three numbers like 50/100/25. These numbers refer
to auto liability insurance. They're usually called
the split limits of liability insurance. Under our example
auto liability insurance policy, you'd be covered for
up to: $50,000 worth of bodily injury caused to another
person, $100,000 for bodily injuries caused to everyone
and $25,000 worth of property damage. Medical payments
insurance is another vital addition to cars insurance
scheme. This policy provides for the immediate treatment
of injuries caused by a car accident. You, your family
members and other passengers in your vehicle are covered,
regardless of who is at fault for the accident.
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Depending
on the specifics of the policy, medical payments coverage
may also compensate for lost wages or services of a person
injured in the car accident. PIP, or personal injury protection,
is similar to medical payments coverage, but usually provides
broader coverage. Many PIP policies provide compensation
for lost wages, funeral expenses, and pain and suffering.
Our cars insurance also includes underinsured and uninsured
motorist insurance. Both of these types of insurance protect
you against injury caused in an automobile accident where
the at-fault driver's liability car insurance coverage
is inadequate. Though they're often lumped together, they're
really two distinct policies. Get in touch with for a
useful insurance quote at a great rate.
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