The value of your insurance coverage is dependent on the type of car insurance coverage that you or the driver-at-fault has, and the type of accident you were involved in.

There are different coverage options per state, but a typical auto insurance policy has the following types of coverage:
• Liability
This includes coverage for bodily injury and personal property. This will cover the other party’s medical bills and vehicle repairs, but not yours or your passengers.
• Collision
If your vehicle collides with another vehicle or a fixed object such as a lamp post or a telephone pole, this coverage will help pay for the damages to your car. This is usually purchased with a Comprehensive Coverage.
• Comprehensive
Comprehensive Coverage protects your car in case of a natural disaster or a falling object.
• Uninsured/Underinsured Motorist Coverage
This is required by almost half of the states for times when you are involved in an accident with a driver without insurance or have inadequate coverage. This coverage will pay for medical bills and car repairs.
• Medical Payments
If you have a passenger with you who is injured at the time of the accident, this coverage will pay for their medical expenses and yours.
• Personal Injury Protection (PIP)
Also known as the “no-fault” insurance, this is similar to Medical Payments coverage, but with a wider range of costs.

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Jack Morgan CALL US! 866-205-4971

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The Law Offices of Hogan Injury will provide you with personalized attention and guidance. Protecting your rights is our main objective. We have been representing clients for the past 30 years and our experienced team of attorneys will advise you of the legal consequences of every decision you take.