Explain Car Insurance Terms

Liability coverage is the part of your car insurance that pays for the bodily injury or the property damage you cause to someone else. Liability insurance is required in all the states. It usually costs less than other kinds of coverage because it will only pay for the damage you cause to another person and not for the damages you suffer yourself.

If you have auto liability coverage and you get into an accident, your insurance policy will pay to repair or replace the other guy's car-and also pay any medical bills, up to your set limits, It will be divided into 2 parts - bodily injury coverage and property damage liability coverage.

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Medical payments protection is the part of your car policy helps pay for medical expenses for accident-related injuries, no matter who's at fault.

These medical costs may include doctor visits, hospital visits and stays, surgery, x-rays, emergency medical care and ambulance costs. This coverage option covers you, your passengers, and any family members who may be driving the car during the accident. It generally pays more than a health insurance policy would.

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This insurance coverage pays for medical expenses and damages to your car resulting when you're involved in an accident with another driver who has no insurance or lacks sufficient coverage and is at-fault.

This coverage is divided into 2 groups: Bodily Injury Coverage and Property Damage Coverage. You have the option of purchasing coverage up to set limits.

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this optional coverage pays for damages to the insured person's car when it collides with another object, such as a tree, streetlight or a second vehicle. Usually it will pay up to the actual current cash value of your car.

If you carry this type of coverage and the cost of repairs on your vehicle is more than its worth, the insurance company will "total" the car and reimburse the owner what the car was currently worth, rather than fixing it. The deductible amount you choose depends on different things, with the most important factor being how much would you be comfortable paying out and the cars blue book value.

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Comprehensive insurance coverage ays for car damages caused by anything except hitting another vehicle or object. It usually covers common situations like fire, storms, floods, vandalism and theft, broken windshields and things like shopping cart and hail or wind damage and hitting an animal.

Comprehensive coverage also has a deductible. That's what you pay out of pocket before your insurance pays the rest. This should be based on your cars value and how much you can afford to pay.

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Personal injury coverage pays for medical and hospital expenses that result from the accident no matter who is at fault. It can also help you with other expenses while you are hurt. These can vary state to state, but can include income replacement, loss of services on work you can't do yourself, funeral expenses and expenses of child care.

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This site is for your information only and is not intened to give advice or as the final say on the subject. Always consult a professional insurance agent for details. The site creator is compensated for leads generated from links on this site.
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