Auto Insurance Quotes

Auto Insurance quotes

Really understanding your automobile insurance coverage is an important part of being a driver. Don't let a lack of information keep you from the coverage you need.

Standard Automobile Insurance describes liability, uninsured/underinsured, and medical payments coverage's.

Liability Insurance

This is probably the most important type of car insurance, and it's required by most state auto insurance laws. Liability car insurance protects you against the cost of damage and injury that you cause to another in an automobile accident.

It's actually made up of two different policies, bodily injury liability, and property damage liability. As you might guess, bodily injury insurance protects you from the cost of personal injury to others, and property damage insurance protects you from the cost of damage you cause to any physical property.

Medical payments insurance

This policy provides for the immediate treatment of injuries caused by a car accident. You, your family members and other passengers in your vehicle are covered, regardless of who is at fault for the accident.

Depending on the specifics of the policy, medical payments coverage may also compensate for lost wages or services of a person injured in the car accident.

PIP, or personal injury protection, is similar to medical payments coverage, but usually provides broader coverage. Many PIP policies provide compensation for lost wages, funeral expenses, and pain and suffering.

Underinsured and Uninsured Motorist Insurance

Both of these types of insurance protect you against injury caused in an automobile accident where the at-fault driver's liability car insurance coverage is inadequate. Though they're often lumped together, they're really two distinct policies.

Uninsured motorist insurance is needed when the other driver has no liability coverage. Underinsured motorist coverage pays for the cost of your injuries that exceed the other driver's coverage maximum.

Understanding your Policy describes the pieces that make up your insurance policy document The contents of your insurance policy. Your automobile insurance policy is a binding legal contract. But don't let that keep you from reading it, because it's actually very important to do so.