With so many commercials for all the different car insurance companies out there, picking the right one can be overwhelming. How do you know what to look for and which policy is best? There are four basic parts of coverage that you should be aware of, and here’s what to know before purchasing auto insurance.
Liability coverage
If you are at fault in a car accident, even if you ding someone’s bumper when you’re parallel parking, this is when you need liability coverage. It has two types of protection: coverage for injuries and coverage for damage. Liability coverage takes care of the medical expenses for the other party in the accident as well as the expenses to fix any damage on their car.
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 medical bills if you get injured. Medical payments coverage will take care of the medical expenses for you and your passengers in case of an accident. It will also go into effect if the other party is at fault.
Motorist coverage
If you are in an accident with someone who doesn’t have insurance, motorist coverage will take care of your medical expenses. You may not expect it, but many people drive without insurance, which can make things complicated in the case of an accident. But with motorist coverage, you don’t have to worry about paying for your medical expenses out of pocket.
Physical damage coverage
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. It will take care of direct and accidental loss of your vehicle in the case of an accident.
With your auto insurance plan, you can purchase additional protection to ensure that every cent of your medical or car expenses are taken care of, but these are the basic coverages that you need to protect yourself. To learn more about auto insurance limitations and coverage or if you need help purchasing a plan, contact Insurance Shops today to see how we can help.
