online resource for auto, truck or motorcycle insurance.
generally pays for bodily injury and property damage when you are
responsible. The amount you are required at a minimum varies
from state to state. Liability coverage also usually pays for
a legal defense and court costs, if necessary.
Comprehensive coverage pays for any losses to your auto due to
events such as theft, break-ins, fire, or natural disasters like
flood, hail damage, earthquake, or hurricane. Normally if you
finance your car or lease an auto your finance company will require
you to carry comprehensive coverage. You can expect a
deductible for this coverage. The higher your deductible, the
lower your rate will be.
insures you against damage from events such as collision with any
other object such as an auto, fence, wall, etc. You can expect
to have a deductible for this coverage too. Normally if
you finance your car or lease an auto your finance company will
require you to carry comprehensive coverage.
Injury Protection- Normally
pays medical costs for persons, regardless of fault, for medical
costs associated with an accident. PIP may be required in some
Motorists will pay for your damages if injured by a driver without
liability insurance. Property damage may also be paid in some
Motorist- Similar to
Uninsured Motorist, but applies to injury caused by an underinsured
driver. State laws may vary as to application.
self-explanatory. Pays rental expenses for another auto if
your vehicle is disabled due to an accident.
check out our article, What
Every Driver Should Know About Their Insurance Policy
definitions are for general informational purposes only and are not
intended to alter or replace the insurance policy. Additionally,
this information is not intended to fully set out your rights and
obligations or the rights and obligations of the insurance company.
If you have questions about your insurance, you should consult your
insurance agent, the insurance company, or the language of the
insurance policy. Policies, terms, and laws vary from state to