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Most states require you to purchase a minimum amount of
coverage, however, these minimum amounts of coverage may
not be enough to protect you from lawsuits, repair bills,
and more serious injuries. If you want better protection
then consider buying more than what is required.
Liability
Coverage required
in most states
If you are at fault in an accident, liability coverage
will pay for the third party's bodily injury, legal
bills and property damage expenses.
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Liability
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May
Include payment for:
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Pays
third party's
Bodily
Injury
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medical bills and lost wages
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Pays
third party's
Legal
Bills
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The
third party may sue you in an attempt to collect Pain
and Suffering damages
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Pays
third party's Property Damage Expenses
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repair or replacement of things you damaged
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Minimum
insurance may not cover all costs in a serious accident. It
is a good idea to buy more coverage than what is required.
Get
a Quote Now
Collision Coverage
pays you for accidental damage to your car if itfs hit by
another car or if hits another object or rolls over, even
if you caused the accident. If you have a one-vehicle accident,
such as hitting a pole, damage to your car is also covered
up to the actual cash value of the car minus any applicable
deductible. If
the repairs the insurance company must pay exceed the car's
worth then the insurance company will likely declare your
car "totaled" and will instead pay you the current cash
value of your car.
Collision Insurance is normally more expensive than other
types of auto insurance coverage so you might want to consider
paying a higher deductible to keep your premium costs down.
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Collision
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May
Include payment for:
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Pays you for
damage to your car
that resulted from an accident
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damage to your car if itfs hit
by another car or if hits another object or rolls
over
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Comprehensive
Coverage pays you for non accidental
damage to your car, only up to the
current cash value of the car, and minus any applicable
deductible. Take
into consideration the cash value of your car. If the Comprehensive
Coverage itself costs more than what your car is worth ,
you might not need this coverage.
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Comprehensive
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May
Include payment for:
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Pays
you for damages to your car that were not caused
by accident
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damages from theft, fire, vandalism and natural disasters
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Uninsured/Underinsured
Motorists is required
in some states and varies significantly by state,
but generally pays for your injuries if you're hit by a
driver or someone who doesn't have auto insurance or is
underinsured. Also covers you if you are a victim in a hit
and run accident. Get
a Quote Now
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Uninsured
Motorists
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May
Include payment for:
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Pays
you for
bodily injury
that resulted from an accident with an uninsured third
party
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bodily
injury, and in some states, property damage
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Underinsured
Motorists
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May
Include payment for:
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Pays
you for bodily injury when involved in an accident
with an underinsured motorist
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bodily
injury, and in some states, property damage
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Medical
Payments Protection Regardless of who is at fault,
Medical Payments Coverage pays you and your passengers'
medical expenses after an accident. Accidents while you
are driving your car, someone else's car, and injuries when
you are a pedestrians are all covered.
Get
a Quote Now
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Medical
Payments Protection Coverage
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May
Include payment for:
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Pays
you and your passengers' medical expenses regardless
of who is at fault
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medical
treatment for bodily
injury from a car accident
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Personal
Injury Protection/No-fault are expanded forms
of Medical Payments Protection required
in some states. Not all states even offer optional
PIP coverage.
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Personal
Injury Protection/No-fault
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May
Include payment for:
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Pays
you and your passengers' medical expenses regardless
of who is at fault
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medical
treatment, wage loss, rehabilitation, and childcare
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Add-ons
There are several types of add-ons to supplement your coverage
either as separate premium items or included in augmented
policies.
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***Add-ons
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May
Include payment for:
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Car
Rental Reimbursement Coverage
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vehicle rentals if your car is damaged or stolen
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Towing
and Labor
Charges Coverage
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in
case of a breakdown
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Auto
Replacement Coverage
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repair or replacement of your car even if these costs
exceed its depreciated value
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Accidental
Death Indemnity Coverage
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pays
when a person insured dies as a result of a car accident
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Get
a Quote Now
***Add-ons
vary from state to state and may not be available in all
states.
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