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Posted by کیلیپ های دیدنی on Freitag, 28. Juli 2017
A basic auto insurance policy usually includes six types of auto insurance coverage to make sure every driver has just what they need.
They provide the broadest protection for the most common events for which you would file a claim.
In addition to those six basic types, there are several others that apply to specific events that may cause damage to your vehicle or to specific needs you may have if you’re involved in an accident.
With so many types of automobile insurance, how do you now what is right for you?
Most of these coverages are optional, and adding them to your policy will increase your premium.
When in doubt, ask your agent to clearly explain the car insurance coverage options to you.
Read on to have the different types of auto insurance coverage explained, and then be sure to enter your zip code now to compare online auto insurance quotes!
Liability insurance does not cover any expenses related to damage to your property, or any injuries you may suffer.
Liability exists to pay for those things suffered by the other parties in an accident for which you are found to be at fault.
All states require a minimum amount of liability coverage in order to legally drive a vehicle.
In some states, you can avoid buying liability coverage if you can prove you have the personal financial resources to cover the minimum requirements levied by the state.
Liability insurance covers you when driving any vehicle you own or if you drive someone else’s car with their permission.
Property Damage Liability
Property damage liability does not cover damage to your own property; it kicks in when you are found at fault in an accident, and your vehicle has damaged someone else’s property.
There are varying degrees of this type of coverage that will determine exactly what damages are covered.
You will choose the amount of coverage when you buy the policy, and there may also be state-imposed minimums, especially if your vehicle is financed.
Property damage liability is one of the types of car insurance coverage that may include a deductible.
Having this type of coverage protects you from paying out of pocket if you are found at fault for damage to anyone else’s property, and it is important in determining your costs.
Bodily Injury Liability
If you are found at fault in an accident that resulted in injury to another party, bodily injury liability coverage comes into play.
Bodily injury does not cover your own injuries, or those of any other driver included on your insurance policy.
This coverage usually pays for:
- Medical bills
- Physical therapy or rehabilitation
- Work time lost due to injury
- Legal representation for the other party
- Funeral costs
- Possibly pain and suffering
Medical expenses can skyrocket and cause tremendous financial hardship if you have to pay for them out of pocket.