Auto Insurance - What's In Your Policy?

Auto Insurance - What's In Your Policy?

If you are in an auto accident - the last thing on your mind should be money. It is important to know you are covered and what that coverage includes.

While thinking about wrecking your car probably isn't the most pleasant thought, it is important to purchase so you will be compensated for your losses and have funds secured for those unforeseen events.

The value of cannot be stressed enough. If you are an uninsured driver involved in an accident, you may face thousands - possibly millions - of dollars in expenses, depending on the severity of the situation.

So you've purchased auto insurance. That's good. Even more important, however, is knowing what that covers if you are involved in a wreck or find your automobile broken into.

There are several types of personal coverage. While you are not required to purchase all of the offered coverages, most states require you buy a few of them. Let's examine some of the coverages you might find in your personal policy:

The basics of include liability, property, medical and under/uninsured motorist coverage.

Liability coverage pays for bodily injury or property damage claims to those you are legally responsible for. This coverage takes care of the damage you cause to

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someone else or his or her property.

Property coverage compensates for damage to or the theft of your car. Two types of property coverage include collision and comprehensive.

Medical coverage is responsible for the treatment of injuries to the driver and passengers of the policyholder's car. Coverage is provided regardless of whether the individual is a passenger or struck as a pedestrian.

Uninsured motorist coverage reimburses you if you are hit by an uninsured driver. Underinsured motorist coverage provides compensation if the party at fault does not have adequate coverage to pay for your entire loss.

These are just a few of the coverages that might be found in your personal policy. Do you know what's in your policy? If not, it might be a good idea to take a look and understand the ways you, your car and your loved ones may or may not be protected.


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