There are 4 major parts to a personal auto policy.
1) Liability and property damage.
Potential liability claims are probably a big concern for you as a car owner. Consider the claims that might be brought against you for bodily injury or property damage (or both) resulting from a car accident. Adequate liability insurance coverage can protect you from the financial burdens associated with such claims. It is paramount to have the appropriate limits to pay in the event of a loss.Liability in an auto accident will pay up to the policy limit per person injured, and up to a certain aggregate per accident if on split limits. The property damage will be paid for by that particular line of coverage up to the face amount of the policy.
Uninsured motorist coverage protects you if you’re in an accident with an at-fault driver who doesn’t carry liability insurance. Underinsured motorist coverage, on the other hand, steps in when you’re in an accident with an at-fault driver whose liability limits are too low to cover the damage or medical expenses.
3) Medical payments.
Medical payments coverage generally pays for medical costs after you are hurt in a car accident, regardless of who is found at fault for the accident. Additionally, medical payments insurance may help pay for: Funeral expenses. Injuries sustained by your passengers.
With Comprehensive coverage, your insurance company pays for damage to your auto caused by an event other than a collision, such as fire, theft or vandalism. If you hit an animal, or if your auto is flooded or stolen, Comprehensive coverage will apply. When your vehicle is damaged in an accident, collision insurance is an optional coverage that pays the cost of repairing or replacing it, minus the amount of your deductible. Collisions can involve another vehicle or an object, like a guardrail or a tree.
If you would like to learn more about personal auto policies, please contact Insurance for Veterans at 803-250-3709 or by email at firstname.lastname@example.org.
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