Your car insurance coverage options
All policies include liability car insurance coverage, which protects you nancially if you re responsible for an accident.
This is required in most states. You can also buy optionnel car insurance coverages to protect your investment in your car, pay your medical bills or even help if your car breaks down.
Here’s a list of coverages and a brief explanation of what they do.
Labilité car insurance
Insurance car company pay if you injure someone or damage someone’s property in an accident.
When you purchase obligation, you pick a farthest point—the greatest sum we’ll pay for a risk guarantee.
Most states expect you to have a base measure of risk inclusion.
Car insurance pay to repair damage to your car when you hit, or are hit by, another vehicle or object, regardless of who’s at fault.
Car care company pay to repair damage to your car that’s caused by something other than a collision, such as fire, theft, vandalism, hail or flooding.
Car insurance company also pay for damage to your vehicle caused by hitting an animal.
When you buy collision and comprehensive, you choose a deductible—typically $250 or $500. This is the amount you pay to the repair shop.
Car insurance company pay the rest.
While collision and comprehensive aren’t required by law, your bank may require them if you nance or lease your car.
Uninsured Motorist Property Damage (UMPD)
The ansurance company pay to repair damage to your vehicle caused by a driver who doesn’t have insurance.
Uninsured/Underinsured Bodily Injury (UMBI)
Car Insurance pay for your medical expenses, lost wages and other damages when you’re hurt in an accident caused by a driver who has insuf cient or no insurance.
MedPay (also known as Medical Payments)
Auto assurance pay for the cost of reasonable and necessary medical care you get as the result of an accident, regardless of who’s at fault.
Personal Injury Protection (PIP)
Ansurance pay for medical bills and—in some states—other living expenses while you heal if you’re unable to work as a result of an accident, no matter who’s at fault.
the company pay for your rental car while your car is being repaired as part of a comprehensive or collision claim.
Ansurance company pay for repairs or towing when your vehicle breaks down due to mechanical or electrical issues, a dead battery, or a at tire, your vehicle runs out of gas, or your vehicle gets stuck in the snow, or mud or you’re locked out of your car.
Loan/Lease Payoff (also known as Gap)
All insurance company pay the difference between the settlement amount and the amount you owe the bank if we declare your vehicle a total loss.