Understanding Auto Insurance Coverage

Nobody loves to go under the pain of de-coding all of the language about auto insurance coverage. Though it’s not all that difficult but seriously it’s no fun. However, it is important that you understand about the auto insurance coverage.

There are six kinds of primary auto insurance coverage and each of this has a separate premium amount. Study each one of them and how they can protect you.

Bodily Injury Liability

This provides a protection to the insured if an injury or death of another person occurs while operating the car. This will also cover for the legal defense if the other party files a lawsuit against you for the accident. The Bodily Injury Liability only covers injury to people and not to the vehicle.

Medical payments

This offers no-fault or personal injury protection that will pay for the medical expenses when the driver or the passengers are injured in the insured car. If in case, you are injured by a vehicle as a pedestrian, there may be coverage for that as well.

Uninsured motorists

This will pay for the injuries of the insured as caused by an uninsured driver. There are many uninsured motorists and concerning this fact, it is important to have this coverage.

Comprehensive Physical Damage

If there is any lose resulting from an incident or other collision then, this coverage will pay for that loses. Like if your car gets stolen, it will be covered under this plan.

Collision coverage

In case, your car gets hit or hit by another vehicle or object this coverage will pay for that.

Property damage liability

If your car damages the property belonging to someone, this coverage will protect you.