Insurance 101 - Personal Auto Coverages

liability protection? Crash cover? Uninsured driver? Sick pay? i just want car insurance

. Getting car insurance may seem easy at first, but it's actually quite difficult. Let's break down his four basic protections of the Basic Personal Vehicle Directive.

Forced application. Third-party insurance provides the protection you need if you are at fault in a vehicle accident. This insurance offers her two types of security:

Covers injuries to others and damage to others' homes and businesses while you or a family member are driving the vehicle. So, if you accidentally hit someone's car and injured another driver as well, your liability insurance will not only pay for the covered truck damage, but also the medical costs associated with the injury... Yes, I also claimed "their" injury, not your own.

. Medical expense protection. Due to the fact that liability insurance only covers injuries caused by other persons trapped in it, clinical payment coverage is required to pay for medical costs related to injuries sustained by you or the traveler in an accident. That protection will work right away, regardless of who's to blame. The third component of car insurance coverage is coverage for uninsured or uninsured drivers. UM Protection covers you if you are involved in an accident with someone who breaks the law because you do not have your own car insurance. It does this by helping pay for medical costs incurred if you are hit by an uninsured driver. It may not seem fair, but accidents like this happen. Statistics show that virtually 1 in 7 of her drivers is uninsured, and insurance is an absolute must to protect yourself!Many states purchase additional protection called Underinsured Motorists Protection. can also do. Underinsured Driver Protection provides additional peace of mind when another driver has insurance but doesn't have enough coverage to cover all your medical expenses. Now you may be wondering what you will pay for damage to your car.This is where the fourth and final part of car planning comes into play.

This insurance covers damage to your car. recognized as property damage compensation. It pays for direct and unintentional loss of your truck.Insurance coverage for property damage consists of two parts:

Accidents - Covers virtually any type of direct accidental damage that is not excluded from the policy, except when your vehicle collides with another vehicle or object or rolls over, and other than accidents. As I argued, policy information can be confusing

This video is a quick rundown of 4 of just about every traditional car insurance policy. If you have any questions or want to learn more about possible exclusions or limitations, contact your local independent insurance agent today!