Car insurance protects you and your family in case of uncertainties that you have to bear a loss to your person or property. There are different coverage types under car insurance policy and it depends on you that what kind of coverage you need.
Car insurance policies generally consist of the following coverages.
• Bodily Injury:
Bodily injury liability covers other people’s body in case of an accident for which you are the only responsible person and it also defend you from a legal issue which may be filed by another person against you. Under this coverage you may get the claims for such things as medical cost, loss of income or pain and suffering. In case of a major accident you must have enough insurance coverage to cover the losses, without selling any personal property. It doesn’t cover your vehicle; it only covers injury to people.
• Property Damage:
Property damage liability covers you if your car hits someone’s car, house, bridge railing, a mailbox or any other object. It mainly covers someone’s car. You also get legal defense if another person makes a lawsuit against you. So you need enough coverage to protect yourself from these kinds of damages.
• Personal Injury Protection:
Personal injury protection covers you and the passengers of your cars when you made an accident. With the help of this protection you will be paid for medical bills, lost wages, other expenses and possibly funeral cost. Under this protection you will also be paid for an accident occurred while getting into or out of a vehicle.
• Collision Coverage:
This coverage pays you for the damages to your car when it hits someone’s car or is hit by another car. Insurance company will pay you the cost after deduction of the deductible amount what you have chosen. If you have set your deductible amount at $1000 and the repairing cost of your car would be $3000, the insurance company would pay only $2000, while you would have to pay the rest amount.
Car insurance policies generally consist of the following coverages.
• Bodily Injury:
Bodily injury liability covers other people’s body in case of an accident for which you are the only responsible person and it also defend you from a legal issue which may be filed by another person against you. Under this coverage you may get the claims for such things as medical cost, loss of income or pain and suffering. In case of a major accident you must have enough insurance coverage to cover the losses, without selling any personal property. It doesn’t cover your vehicle; it only covers injury to people.
• Property Damage:
Property damage liability covers you if your car hits someone’s car, house, bridge railing, a mailbox or any other object. It mainly covers someone’s car. You also get legal defense if another person makes a lawsuit against you. So you need enough coverage to protect yourself from these kinds of damages.
• Personal Injury Protection:
Personal injury protection covers you and the passengers of your cars when you made an accident. With the help of this protection you will be paid for medical bills, lost wages, other expenses and possibly funeral cost. Under this protection you will also be paid for an accident occurred while getting into or out of a vehicle.
• Collision Coverage:
This coverage pays you for the damages to your car when it hits someone’s car or is hit by another car. Insurance company will pay you the cost after deduction of the deductible amount what you have chosen. If you have set your deductible amount at $1000 and the repairing cost of your car would be $3000, the insurance company would pay only $2000, while you would have to pay the rest amount.
0 comments:
Post a Comment