Required Coverage
Liability coverage is required in most states. Liability coverage
protects you in the event that you are legally responsible
for an accident. Each state that requires liability coverage
has a set minimum that drivers are required to purchase.
Check your state's minimum liability requirements here. In
the event of a serious car accident, the minimum coverage
limits required by law may not be enough.
Liability Insurance:
Property Damage Liability - covers property damage to the other
party in an accident that you were at fault.
Bodily Injury Liability - pays for medical damages to the other
party for an accident that you were at fault.
Recommended Coverage
Recommended coverages are not required by state law but are
offered to you as additional protection. These coverages are
useful depending on your particular circumstances. For instance,
collision and comprehensive coverage may not make sense for
an older car. Uninsured motorist coverage is required in a
few states.
Collision Coverage - Collision car insurance coverage covers
the repairs to your car when you hit an object such as cars,
curbs, poles, tree, etc.
Comprehensive Coverage - Comprehensive coverage pays for
damages to your car in instances of theft, vandalism, fire,
floods,
fallen trees, storms, and other acts of nature.
Underinsured Motorists Coverage - Underinsured motorist auto
insurance policy coverage covers your medical and repair bills when
your damages exceed the other driver's liability coverage
limits.
Uninsured Motorists Coverage - Uninsured motorists auto insurance
policy coverage protects you against drivers who are not insured
or a hit-an-run driver.
|
