In liability coverage collision coverage uninsured motorist
medical payments I just need car insurance purchasing car insurance seem
simple enough but when you really start shopping
they can feel overwhelming let's break down the four basic coverage is above
the standard
personal auto policy liability coverage
viability coverage provides you with the coverage you need in the event that you
are at fault
in an automobile accident this coverage offers two types of protection
coverage for injuries to other people in coverage for damage to someone else's
property
why you or a family member are operating any automobile
in cell if you accidentally hit someone else's car
contender the other driver your liability coverage will pay for not only
the cover damages to their vehicle
but also for the medical expenses related to their injuries
and yes I said their injuries not your own
which leave this to our second coverage medical payments coverage
because liability coverage only provides coverage for injuries caused to the
other people involved
your need medical payments coverage to help pay medical expenses related
injury sustained by you or your passengers an accident
this coverage comes into play no matter who is at fault
the third her a personal auto insurance is uninsured motorist coverage
or %um coverage in %um coverage protects your involved in an accident with
someone who breaks the law by not carrying their own auto liability
insurance
it does this by helping pay for any medical expenses you incur as a result
of getting hit by an uninsured driver
and although it may not sound fair these types of accidents do happen
according to statistics nearly one in seven drivers on the road is uninsured
which makes protecting yourself absolute necessity in many states you can also
purchase additional protection
called underinsured motorist coverage underinsured motorist coverage provides
you with additional protection
for when the other driver has insurance coverage but just not enough to fully
cover all your medical expenses
in by now you may be wondering how you're going to pay for damages to your
own car
that's where the fourth and final part of your auto policy comes into play
coverage for damage to your car also known as physical damage coverage
it pays for direct an accident lost your vehicle
their two parts a physical damage coverage collision
for when your car in packs another vehicle or object or is upset
other than collision which covers almost any other type of direct accidental loss
not excluded by your policy in
advice then the details have insurance can be confusing
this video is just a short overview underperforming parts of the standard
auto insurance policy
to ask questions and learn more about the exclusions and limitations that may
apply
be sure to contact your local independent insurance agent right away
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