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What Automobile Insurances Cover

By The Law Office of WT Johnson on June 13, 2014

Choosing the coverage your insurance policy will have can be an overwhelming task. The damages that car accidents can leave are many: your car can be damaged, or you can damage another car, you as a driver can also get hurt as well as your passengers the same way you can injure others. Hence, knowing what kind of damages your insurance policy can cover greatly helps. This article will define some of the categories that are covered by insurance companies to ensure that you make sound decisions when purchasing a plan.

Bodily Injury Liability

This describes the amount that your insurance company will shoulder in the event that you cause an accident, and others are injured or killed. This will cover the expenses that the victim’s families may claim for the accident in which you were found to be at fault.

Personal Injury Protection or PIP

This will cover your injuries if you have been hurt in an accident. If it is extended to the passengers of your vehicle, then their expenses may be covered as well.

Property Damage Liability

This means that the insurance company will pay for the damages to property that you may cause as a result of an accident. Take note that this does not just cover vehicles. If you hit and damage the mailbox of another person, then this can also cover for the repairs of the mailbox.

Collision Coverage

This coverage will shoulder the expenses for your vehicle, even if you were found to be at fault. If your vehicle is being financed, then your lender may require you to obtain this coverage while the loan is ongoing.

Comprehensive Coverage

The insurance company will shoulder the expenses for your car if it has been damaged by fire, vandalism, theft, and other destructive acts that may damage your car. As an example, if a tree branch ends up damaging your parked vehicle, then this coverage will pay for the expenses needed to have it repaired. Similar to collision coverage, cars that are being financed may require this coverage while the loan is ongoing.

Uninsured or Underinsured Motorist Coverage

This coverage will pay for the injury or death in the event that you are hit by an uninsured driver, or one whose coverage pays too little (underinsured). This can also cover hit and run incidents in which the driver is unknown. There may be plans as well that can also cover the damages to your vehicle.

An automobile insurance acts as your safety net in the event that an accident happens. This can prevent you from losing all of your hard earned money to take care of injuries and damages that other negligent drivers have caused you. Car accidents can leave us with physical injuries, emotional trauma, and can paralyze us financially as we can lose the ability to work and earn money for a living. If you have been hit and will need your insurance company to shoulder your expenses, it is best to transact with them via a personal injury lawyer who can best represent your interests. Contact W.T. Johnson to schedule an appointment today.

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Posted in: Car Accidents

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