There are many options to add to your auto insurance policy, when choosing
a highly recommended coverage. Other than the state’s minimum liability
requirements, protection from uninsured drivers, assistance with future rental
cars, and assistance with medical bills are other additional coverage you can
add to your policy.
Bodily injury liability: This coverage is implemented by
law in every state and required driver to carry in a specific minimal amount.
It pays any medical expenses the other party experiences due to an accident
that was your fault, up to the purchased amount. You will pay the remaining
balance of the medical bills, If the expenses are above the limit you purchased.
Property damage liability: This is also required by state
law. It pays for the damages of any other person’s property, including
not only vehicles, but buildings or other structures that you hit with your
vehicle. It does not include any payment towards repairing your vehicle in
an accident.
Uninsured/underinsured motorist liability (bodily and/or property):
This pays for the damages or your medical expenses, up to the amount you have
purchased, if the driver that hit you does not have auto insurance or does
not carry enough coverage to pay for the entire bill.
Uninsured property damage: When an uninsured driver damages
property, the repairs to the property will be taken care of, but only to a
small limit.
Personal injury protection: This is required by some states and is especially
beneficial for anyone who frequently drives a carpool. This allows the passengers
to be covered and will be less inclined to hold you responsible for additional
medical fees, because it covers any medical or funeral expenses incurred by
the policy holder, members of the policy, or even any pedestrians hit by the
policy holder. In addition any other passengers who are in the vehicle at
the time of the accident are also covered up to the limit purchased.
Collision coverage: Pays for damages to your vehicle when
you’ve hit a car or other object. You will first be responsible to pay
your deductible, and then your vehicle’s repairs will be paid for by
your auto insurance company up to the specified limit you purchased.
Comprehensive: This coverage is not required by any state,
but by the loan holder, if you are leasing or financing your vehicle. It includes
damage done by animals, Acts of God (flood, fire), or if your vehicle was
stolen.
Medical payments: Covers you/ your passengers’ medical
expenses as a result of the accident or for injuries resulted from a vehicle
hitting you as a pedestrian.
Custom parts and equipment coverage: This coverage protects
permanent after-market parts you put in or on your vehicle that weren’t
from the original manufacturer.
Emergency road service: is only available after you purchase
collision or comprehensive, for any towing or labor that may be required,
may only be covered once a claim has been made.
