Automobile Insurance Policy Coverage

It may be a daunting task to determine the type of insurance policy coverage that you can have for the car. After a car accident, the damages can differ from one car to another. The damages you can claim can also differ on the available facts where you might even had a participation on the happening of the accident.

  • Bodily Injury Liability. This is a scenario where the insurance company will be the one to pay the injured persons who suffered or killed in the accident. The money being given by the insurance company is usually for the compensation on medical expenses and for the damages a deceased person’s family claims.
  • Personal Injury Protection (PIP). This is the type of insurance coverage where the insurer is required to pay for the injuries of the victim. The insurance for the vehicle will also be give.
  • Property Damage Liability. In this type of insurance, damages is paid to the persons that have been harmed by the actions of the insured.  For example, if you ran your car into a mailbox, this provision might cover the cost of replacing the mailbox.
  • Collision Coverage. The vehicle of the insured will be paid here by the insurer. If the insured’s vehicle is financed through financing options, the loaner may obligate the insured to maintain collision coverage on the vehicle.
  • Comprehensive Coverage. Damages will be paid by the insurance even in case of riots, theft, fire, vandalism and other acts that may cause the destruction of the property. If a tree branch falls on your parked car, this provision will pay for repairs to the car. Just like collision coverage, many financiers require comprehensive coverage on cars that aren’t paid off yet.
  • Uninsured/Underinsured Motorist (UM/UIM) Coverage. In this set-up thhe insurer will be the one to pay for the death or injury of the insured. However, this rule may not be the same for all the states.  In some states, the insurer will also pay for damage to the insured’s vehicle.

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