Automobile & Transportation Insurance

Owning a car carries a heavy responsibility. Not only do you have to take care of your car and keep it well maintained so that it works well while on the road but you also have to make sure that you have automobile insurance (which is a legal requirement in most states) before you drive your car. Automobile insurance is your shield against a financial setback in the event that you cause a car accident and someone gets injured or killed or someone’s property gets damaged. If your car also ends up needing repairs as a result of a crash or a natural disaster, then your automobile insurance will also shoulder the cost.

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Liability – Bodily Injury and Property Damage

When you talk of automobile liability insurance, you are protecting yourself from getting sued in the event of an accident that you caused and then having to pay for the legal fees and damages that resulted from it. Bodily Injury Liability refers to coverage for claims from people who were injured or killed as a result from a car accident that was your fault. Property Damage protects you from claims from people whose property you damaged because of an accident that was your fault.

To check your automobile insurance coverage, you will have to refer to a three –number code, like 30/60/30 which means $30,000 limit per injured person in an accident, $60,000 maximum limit for all the injury expenses per accident and $30,000 limit for property damage per accident. Also, you can obtain higher limits of coverage, but will have to pay a higher premium.

Personal Injury and Medical Payments

Since the basic liability for bodily injury pays for people’s injuries and medical expenses except yours, you also need your own coverage in case you too are injured in an accident. The Personal Injury coverage is the solution and in some states, this type of coverage is also required. Medical Payments coverage pays for people’s injuries or death benefits if someone was killed in an accident regardless whose fault it is. This too may be required in some states.

Uninsured Motorist/Underinsured Motorist Coverage

There is a possibility that you may be in an accident with an uninsured motorist (one who has no insurance) or an underinsured motorist (one who’s coverage isn’t enough to pay for your bills). In cases like these, you may end up paying medical bills out of your own pocket. That is why, its often worth it to pay for Uninsured motorist/Underinsured motorist coverage, just for the guarantee of having financial safety for medical expenses.

Collision and Comprehensive Insurance

If Property Damage takes care of the damage to another person’s vehicle or property, collision and comprehensive insurance takes care of yours. Collision takes care of your car’s repairs and expenses in the event that you are in a car accident with another car or object (like a fire hydrant). Comprehensive insurance covers those that are not a result of a collision but can still do damage to your vehicle, like fire, theft or vandalism.