Your car insurance policy may include the coverages below. Take note that the coverages are priced separately:
Personal Injury Protection
PIP takes care of the medical expenses of the driver and any passenger of the car covered by the auto insurance policy. The coverage may extend to medical payments, funeral costs, or even lost wages.
Bodily Injury Liability
This covers for injuries that you, the policy holder, ma cause to others. It may also extend to your family members while driving another car with the permission of the owner. It is critical that you have a good liability coverage since you might be sued for a large sum of money when you cause injury to another person thru a serious road mishap.
Property Damage coverage
This will take care of the costs if you or a driver with your permission cause damage to another car or property. This may include lamp posts, fences, buildings, poles, or other structures that you damage or destroy during an accident.
Collision
This will cover the cost you may incur for repair your vehicle after a collision with another vehicle, an object, or when you flip it over.
Comprehensive
This coverage will take care of your cost or losses due to fire, missiles, explosions, falling objects, hail, flood, earthquake, vandalism, animals, riots, or theft.
Coverage for under-insured motorist
This will reimburse your costs if you or a designated driver is hit by an insured motorist r is a victim of hit and run. This will be the coverage that will be tapped if you encounter a motorists who does not have enough coverage to cover for your loss and costs.