Events Covered By Auto Insurance

Find out what events are covered by auto insurance.  Getting financial responsibility is a must and if you do not want to pay too much, you should shop around using online auto insurance quotes. But first, let’s analyze the coverage options:

  • # car insurance1Liability insurance. This policy pays for damage and injuries you cause others in accidents. It consists of Bodily Injury Liability and Property Damage Liability.  Bodily injury liability pays the medical expenses of others who are injured; property damage liability pays to repair or replace damaged property.
  • PIP. Provides coverage for medical costs needed for you or your passengers for injuries treatments. PIP also covers funeral expenses. PIP is also used to cover lost wages and the cost to replace services normally performed by the ones injured.
  • Collision Car insurance. It is designed to cover car repair or replacement costs if you are in an accident with another vehicle or drive into an object such as a tree, building, or fence. It also covers damage from accidents where no other car or object is involved, such as flipping your own car.
  • Comprehensive car insurance. This policy is used to cover events not related to collisions, but rather by acts uncontrollable by the insured. On this list we include weather phenomena, vandalism, fire, being hit by objects felt from sky and even animal attacks.  It is a very complex policy and you should pay attention to details.
  • Uninsured/underinsured motorist car insurance. Uninsured motorist car insurance is used to recover from financial losses caused by an accident with an uninsured driver. It consists of two parts: Uninsured Motorist Bodily Injury (UMBI) and Uninsured Motorist Property Damage (UMPD).  Uninsured motorist bodily injury coverage (UMBI) will help pay for medical expenses and lost wages. Also, passengers of the insured will benefit of the same rights.
  • Rental reimbursement. It pays for a rental car if your car is in the shop following a covered collision or comprehensive claim.
  • Roadside assistance or towing insurance, This policy provides financial assistance and technical assistance when you need a battery jump, flat tire changed or tow to a repair shop after a mechanical breakdown.
  • Full glass coverage, This policy pays to repair or replace chipped or broken window glass, without a deductible.

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