7 coverages to look for in your auto policy

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The right auto coverages can help you deal with the curves in the road.

When you purchase an insurance policy for your car, there are some basic coverages that help protect you from financial curves in the road.

Bodily Injury Liability protects you against damages for which you are legally responsible because of a covered auto accident that causes bodily harm, including death, to others.

Property Damage Liability protects you against damages for which you are legally responsible because of a covered auto accident that causes damage to another person’s property.

Medical Payments Coverage pays expenses for necessary medical and funeral services for you, your family or others while riding in a covered vehicle when it is involved in an accident, regardless of who is at fault. Some states offer Personal Injury Protection (no fault) coverages instead of or in addition to Medical Payments Coverage. Personal Injury Protection pays for medical and related expenses for you, your family and other people in your car because of an auto accident that occurs in states that have no-fault insurance laws. This means that you are covered regardless of who is at fault.

Uninsured Motorist Coverage pays for damages arising from bodily injury to you and your resident family members when another driver is legally responsible for the auto accident and does not have bodily injury liability coverage, or their liability limits fall below state minimum requirements.

Underinsured Motorist Coverage pays for damages arising from bodily injury to you and your resident family members when another driver is legally responsible for the auto accident and the at-fault driver has liability limits lower than the Underinsured Motorist Coverage limit on your policy.

Collision Coverage pays for damage to your insured auto when you have a collision with another vehicle or object.

Other Than Collision Coverage pays for accidental direct damage to your insured auto such as fire, theft, vandalism, breakage of glass and more.

Contact your local independent agent for details about these coverages and other options that will help assure that you have a smooth ride.

2 thoughts on “7 coverages to look for in your auto policy

  1. Excellent post, glad you took the time to put together this information. I always try to make sure people are aware of what to expect and what to request from their auto coverage, since it’s pretty clear that not all plans are created equal and price only tells a small part of the story.

    I’ll definitely be referring people to this page, so thanks again and nice work.

    Kind regards,
    Brian at http://busamcincinnati.com/

  2. Pingback: 7 coverages to look for in your auto policy | Patrick BaggettPatrick Baggett

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