What to Know About Philadelphia Car Insurance

Are you looking for Philadelphia car insurance to keep your car protected? Finding the right auto insurance for your needs can be overwhelming, especially because you have to consider coverage for your car and for medical payments. How do you know what to look for and which policy is best? And why do they all have different price points? These are the different areas you need to consider before purchasing your Philadelphia car insurance.

Uninsured motorist coverage

If you are in an accident with someone who doesn’t have insurance, motorist coverage will take care of your medical expenses. Some people also don’t have much medical coverage with their insurance, so it could be put on you to take care of your medical bills. With uninsured motorist coverage, you don’t have to worry about paying for your medical expenses out of pocket.

Liability coverage

If you are at fault in a car accident, this is when you need liability coverage. Liability has two types of protection: coverage for injuries and coverage for damage. Liability coverage takes care of the medical expenses for the injured party in the accident as well as the expenses to fix any damage to their car, no matter how big or small.

Medical payments coverage

Liability coverage will take care of the medical expenses of the other party in an accident if you are at fault, but it does not cover your own medical bills if you get injured. Medical payments coverage will take care of the medical expenses for both you and your passengers in case of an accident.

Physical damage coverage

Physical damage coverage will take care of direct and accidental loss of your vehicle in an accident. Motorist coverage will take care of your medical expenses, and physical damage coverage will take care of your car expenses if you get in an accident with an uninsured driver.

You can also purchase additional protection to ensure that all costs of your medical or car expenses are taken care of, but these are the basic things you need to protect yourself in case of a car accident. It’s best to be prepared to protect both yourself and other parties because you never know what kind of insurance the other party has in the case of an accident. If you have questions or want to purchase a Philadelphia car insurance plan, contact Insurance Shops today to see how we can help.