COVERAGES

 

If you have car insurance, you might believe that you are automatically covered for any auto issues. But, this is not always the case. There are many different types of auto insurance. Some provide full coverage. Others provide limited coverage. If you get into a car accident, it is a good idea to review your car insurance policy. This will help you understand what will happen next. You will know what your insurance company will pay for and what you have to pay for yourself. Even if you are a victim in a car accident, you should review your coverage. This is because there could be issues with the at-fault driver and their coverage. If this happens, you might be able to get coverage from your insurance company.

Types of Coverage

There are many different types of auto insurance coverage to consider. It is important to understand the other party’s insurance coverage. This is because you will get compensation from their insurance company for injuries. You can also get the at-fault party’s insurance company to pay for damages to your car. To do this, you need to understand how their insurance coverage applies to you.

Liability Insurance

This is a common type of car insurance that the at-fault party should have. As the victim of a motor vehicle accident, the other party’s liability insurance applies to you. If the at-fault party has this type of coverage, it will pay certain things. It should pay for repairs to your vehicle and your medical expenses. Usually, liability insurance is state mandated.

There are many other types of insurance that you might have. The other driver might have this coverage as well. Other types of insurance include:

  • Comprehensive insurance.
  • Collision insurance.
  • Auto medical payments.
  • Personal injury protection.
  • Uninsured/underinsured motorist coverage.
  • Personal umbrella policy.
  • Guaranteed auto protection.
  • Rental reimbursement.
  • Emergency roadside assistance.

You can learn more about these types of insurance in this section.

Uninsured/Underinsured Motorist Coverage

One type of coverage to look into is uninsured/underinsured motorist coverage. This type of car insurance protects you. This is especially the case if the other party’s insurance won’t cover your injuries. It can be helpful to have this type of insurance. With uninsured/underinsured motorist coverage, you won’t have to worry about who covers the cost of damages. You will get covered by someone, whether it is your insurance company or their insurance company.

Med Pay

Med pay is another good type of insurance to have. It will cover the cost of many medical expenses for you. It also covers other passengers in your car. If you are involved in an accident, it can be helpful to have this type of insurance.