Coverage Options

The first thing you will find when looking for car insurance is that there is a lot to choose from. Before you dive in, here are a few of the choices that almost every auto insurance provider has to offer.

• Bodily Injury Liability covers the medical and legal costs of those injured in an accident caused by you.
• Property Damage Liability covers the cost of damages you cause to the property of someone else.
• Medical Payments Coverage helps pay the medical costs of the driver and passengers of the other car in an accident you cause.
• Uninsured Motorist Coverage pays for damages to your car and for your medical costs and the medical costs of your passengers should you be hit by someone who does not have car insurance.
• Underinsured Motorist Coverage helps pay for damages to your car and for your medical costs and the medical costs of your passengers should you be involved in an accident with a driver who does not have sufficient insurance to cover your expenses.
• Collision Coverage pays the costs of damages to your car should you be involved in an accident.
• Comprehensive Coverage pays the cost of damages to your car that are incurred by anything other than a car accident, for example, a break-in or a storm.
• Personal Injury Coverage is similar to medical payments coverage in that it pays for your medical costs in the case of an accident.

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There are many additional coverages you can purchase to supplement your insurance policy:

• Death Indemnity Coverage helps pay for funeral costs of anyone who dies as a result of a car accident.
• Passenger Medical provides coverage for medical costs of drivers and passengers involved in an accident for which they were not at fault.
• Lease/Loan Gap Coverage is meant for those who lease their vehicles.
• Rental Reimbursement will help cover costs of a rental car while yours is in the shop.
• Special Equipment Coverage provides coverage for any extra accessories you have installed in your car.
• Towing and Labor Coverage will pay to have your car towed from the scene of an accident or worked on by the side of the road.

To determine your needs, first find out what coverages your state requires you to have. Then look at what you can afford. Write these things down and bring them with you so your insurance agent can help you determine the best car insurance policy combinations for you.

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