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Auto insurance protects you against financial loss if you have an accident. It is an agreement between
you and the insurance company. You agree to pay the premium and the insurance company agrees
to pay your losses as defined in your policy.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to
buy some, but not all, of these overages. If you’re financing a car, your lender may also have
Bodily Injury Liability Insurance
This is the kind of insurance that compensates the injured people in your car and the other car in
case of an accident. What you want to do is protect your assets from an injured party's expensive
claims or lawsuit even if the accident wasn't your fault. The insurance policy will protect you for a
certain amount per person in the accident as well as a cap per accident. The coverage is indicated in
a "split limit". For example, your policy might say $15,000 per person bodily injury and up to $30,000
for bodily injuries in total.
Property damage liability
Property-damage coverage pays to repair or replace property you destroy, such as other cars or
Property, such as walls trees.
Personal Injury Protection or PIP and Medical Payments
Medical payments insurance -- Covers the cost of doctors, hospitals, and funeral expenses of you
and/or your passengers that result from an accident, regardless of who is at fault. This insurance
coverage will protect you when you drive another person's car (with permission) or if you or your
family is struck by another vehicle as pedestrians.
This coverage pays for damage to your car resulting from a collision with another car, object or as a
result of flipping over. It also covers damage caused by potholes. Collision coverage is generally sold
with a deductible of $250 to $1,000-the higher your deductible, the lower your premium. Even if you
are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your
car, minus the deductible. If you’re not at fault, your insurance company may try to recover the
amount they paid you from the other driver’s insurance company. If they are successful, you’ll also be
reimbursed for the deductible.
Comprehensive coverage pays for damages to your car that isn't due to car accidents: Theft, fire,
vandalism, natural disasters. Also, your glass coverage comes under the comprehensive portion of
your policy. If your windshield cracks, comprehensive coverage saves the day. As with collision
coverage, there is a deductible for any comprehensive coverage claim.
Uninsured and Underinsured Motorist
This coverage option helps pay for medical expenses, and damage to your car, caused by a driver
who has little to no insurance.