Have you ever reviewed your automobile insurance policy and wondered what your insurance will cover if you involved in a car accident injury?  For many of us, deciding what insurance is the right insurance for our needs can be a difficult process.  Understanding the various coverage options available is necessary to make the right decision.  An explanation of commonly available coverage will help you find the insurance that are right for you.

Liability Insurance

Liability insurance covers bodily injury or property damage caused by you, your family members, and others driving your vehicle with your permission. You and your family members are also covered when driving another person’s automobile including rental private passenger vehicles. Company cars and other non-owned cars regularly available to you are not covered.

Buying car insurance for the first time can be an overwhelming task. Insurance companies offer wide varieties of packages; and it’s hard to know which elements are necessary for your lifestyle. In order to pick a plan that fits your budget and keeps your mind at ease, consult this auto insurance guide. Find out what you’re really paying for.Choosing The Right Insurance

Comprehensive coverage

Comprehensive coverage pays for specified damages to your car, such as those resulting from falling objects, fire, explosion, vandalism, or theft. Make sure to read up on any exclusions or limitations specified by your policy to make sure you’re fully covered.

Collision coverage

Collision coverage pays for any damage to your car resulting from an accident. You can collect under your own collision coverage whether or not you were at fault.

Medical payments coverage

Coverage on medical payments will pay for medical expenses for a designated period of time following the accident, up to your policy’s dollar limits. This also includes funeral expenses. Payments are made regardless of who is to blame for the accident. Medical payments will cover you and whoever else is in your car.

Uninsured/Under-insured motorist coverage

Unfortunately, many people will drive without insurance. Uninsured motorist coverage will cover your car if it is hit by a driver who has no insurance or too little insurance to pay for the full amount of your injuries. Hit-and-run drivers may be classified as uninsured motorists if no one can identify the driver.

Uninsured motorist economic-only coverage

This coverage is the same as uninsured motorist coverage except that it covers only the actual costs of injuries to you and the occupants of your vehicle. Pain and suffering will not be included under this coverage.

Uninsured/Under-insured motorist property damage coverage

This coverage provides for repairs to your vehicle if you are in an accident with an uninsured driver. You will have to choose a set deductible that corresponds with a recovery amount for this coverage. If your policy includes collision insurance, this coverage is not available.

Towing and labor coverage

Towing and labor coverage pays for towing costs and labor costs when your car is disabled. Most automobile policies limit this coverage to $25 per tow, and some companies will not offer these services for older cars.

Rental reimbursement

This service will pay for a rental car if you are forced to use one after an accident.

It is very important to have insurance coverage in the event of an accident. But, if you do get car in a car accident, do not accept your insurance company’s claim. Insurance claims never account for all aspects of car accident injuries. Call a car or truck accident lawyer at Morris Bart and get fully compensated.

May 3, 2013 | Categories: Auto Accidents, Legal Tips |