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Car Insurance Coverages explained
Liability Coverages
Bodily Injury
Property Damage
Liability - This coverage pays for accidental bodily injury and property damages to others. Injury damages include medical expenses, pain and suffering and lost wages. Property damage includes damaged property and automobiles. This coverage also pays defense and court costs. State laws determine how much liability coverage you must purchase, but you can always get more coverage than your state requires.
Uninsured/Underinsured Motorists Bodily Injury
Uninsured/Underinsured Motorists Property Damage
Uninsured Motorist - Pays your car's damages when an auto accident is caused by a driver who doesn't have liability insurance.
Underinsured Motorist - Pays your car's damages when an auto accident is caused by someone who has insufficient liability insurance.
Medical Payments
Medical Coverage - Pays medical expenses regardless of fault when the expenses are caused by an auto accident.
Personal Injury Protection (No Fault Insurance)
PIP - Personal Injury Protection (PIP) is required in some states. This coverage pays medical expenses for the insured driver, regardless of fault, for treatment due to an auto accident.
Physical Damage Coverages
Comprehensive
Collision
Rental Reimbursement
Towing & Labor
Collision - This coverage pays for damages to your vehicle caused by collision with another vehicle or object.
Comprehensive - This coverage pays for loss or damage to the insured vehicle that doesn't occur in an auto accident. The types of damages comprehensive insurance covers include loss caused by fire, wind, hail, flood, vandalism or theft.
Rental Reimbursement - This type of coverage will pay for a rental car if your car is damaged due to an auto accident. Often this coverage has a daily allowance for a rental car.
Towing & Labor - This type of coverage will pay to have your car towed to your house or to the nearest repair facility. It can also pay for 1 hour of labor at the site or breakdown. It could also pay for locksmith service, delivery of gas, water, and oil. This coverage does vary by state.
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