Car insurance policies are simply insurance plans to cover protection against risks of accidents and losses. These policies are devised to give myriad coverages including insured party, the motor vehicle and any other third parties such as passengers of cars and the property damaged by the car in an accident.
Following are the basic coverages involved in a car insurance policy –
1. Bodily injury liability is provided to protect the assets in an accident that causes fatality or injuries.
2. Property damage liability covers the damages happened to other properties which can be a car, house, garbage can, a tree etc.
3. Collision insurance covers are provided when your car collides another car, a tree or smash into the pavement. This also covers costs of storing car in times of severe damages, cost of repairs and towing etc.
4. Comprehensive insurance covers insure cars against any other type of damages in other types of incidents other than car accident.
5. Liability insurance is a state required legal coverage for person’s physical injury, third party’s (passengers), damages to properties.
6. Medical payments or Personal Injury Protection (PIP) covers costs of treating injuries caused to drivers or passengers of the insured car.
Other types of covers offered by a car insurance policy include Underinsured/Uninsured motorists coverage, supplemental coverage and rental imbursement covers and some additional coverages such as gap coverage, towing and roadside assistance etc. But, there are some payments you need to cover such as
- Deductibles are the amount of money to pay before an insurance coverage starts becoming valid.
- Exclusions are to incur for those damages or personal injuries that are intentionally caused as insurance companies omit these from coverage.
- Costs exceeding policy limit are the costs to cover on exceeding the maximum amount of a policy.
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