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| Auto insurance Coverage |
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There are several kinds of insurance coverage plans that you should consider when purchasing a plan that is right for you. Some of these are mentioned below:
Property Damage Liability
If you or somebody covered by your policy damages another's vehicle or property, it is covered by property damage liability.
Collision and Comprehensive
Collision coverage works to repair or replace your car in the case of an accident, no matter who is at fault. Comprehensive coverage works in a similar way if the policyholder's car is stolen or damaged by a natural disaster.
Medical Payments
This coverage should not be purchased if you are already insured under a health plan. It covers physician and hospital costs, rehabilitation fees, and some portion of the funeral cost for the insured and his passengers.
Personal Injury Protection
Like medical payment coverage, this protection may not be needed if you already have health insurance or unless it is required by the state. Personal injury protection works more broadly, covering not only medical and funeral payments, but also part of lost wages and the price of in-home assistance.
Uninsured and under insured Motorist Coverage
This insurance is essential in modern driving scenarios. It works to pay the insured and members of his household for medical and funeral expenses as well as damage from pain and suffering caused by hit-and-run drivers and other drivers who have no insurance or are underinsured.
Uninsured Motorist Property Damage
This insurance reimburses property damage expenses created by another uninsured driver. It should be purchased only if collision coverage is not part of your policy.
Glass Breakage
This coverage should be purchased by anyone susceptible to broken windshields or windows.
Rental Reimbursement and Towing
This coverage is a good idea if you own only one car. It pays for towing your damaged vehicle and payment for a rental car while your car is fixed. |
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| Auto Insurance Basics |
| What Is Auto Insurance? |
Do You Need It? |
Who Is Covered? |
| What Is Covered? |
| What Affects Your Rates? |
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