What Is Covered by a Basic Auto Insurance Policy?

And that policy may include your own six car coverages. The price of each coverage separately.

1.Liability for personal injury

This coverage applies to injuries that you, the driver or the special taker, cause to another person. And cover yourself and your family members included in the policy also when you drive another person's car with your permission.

It is very important to have sufficient liability insurance, because if you are involved in a serious accident, you can file a lawsuit to get a large sum of money. Definitely consider buying more than the minimum required for the state to protect the assets like your home and your savings.

2. Medical payments or personal injury protection (PIP)

This coverage pays for the treatment of injuries to the driver and passengers of the car insurance policy. In the broader, PIP can cover medical expenses, lost wages and the cost of replacing services normally performed by a person injured in a car accident. You can also include funeral costs.

3. Property Damage liability

This coverage pays for damages that (or driving the car with your person's permit) can make the property of another. Usually this means that damage to another person's car, but also includes damage to lampposts and telephone poles, fences, buildings or other structures hit your car.

4. collision

This coverage pays for damages to your vehicle as a result of a collision with another vehicle, object or as a result of flipping over. It also covers the damages caused by bumps. Collision coverage is generally sold with a deductible of $ 250 to $ 1,000, and the higher the deductible, the lower the premium. Even if you are to blame for the accident, collision coverage will reimburse you for the cost of repairing the car, minus the deductible. If you are not guilty, your insurance company may try to recover the amount paid by you from the other driver's insurance company. If successful, you will also be reimbursed for the discount.

5. Integral

This coverage will reimburse you for loss of theft or damage caused by anything other than a collision with another vehicle or object such as fire, falling objects, missiles, explosions, earthquakes, storms, hail, flood, vandalism, disturbance, or contact With animals, such as birds or deer.

Comprehensive insurance is usually sold with a deductible of $ 100 to $ 300, although you may want to choose a higher deductible as a way to reduce your premium.

Comprehensive insurance will also reimburse you if your cracked or front glass shattered. Some companies offer glass coverage with or without discount.

6. uninsured and uninsured driver coverage

This coverage will reimburse you, a member of your family, or a private driver if one of you is hit by an uninsured driver or hitting the leak.

And insufficient motorist coverage comes into play when the driver is caused by a fault has adequate insurance to pay for the total loss. This coverage will also protect you if you hit pedestrians.