Choosing your coverages correctly requires that you be well informed
Choosing your coverages correctly requires that you be well informed. It’s smart to know what you’re looking for and look at the coverages they offer you. Car insurance is very different for each person and for each car. You can choose your coverages depending on your needs or your budget.
Car Liability Insurance – Liability Insurance
Commonly known in the United States as Liability Insurance or Auto Insurance Liability. It is the minimum coverage required by the law of most states. These legal limits vary depending on the state in which you are located. Most of the time it is highly recommended that you obtain higher liability limits than required. Since in some states, the minimum is not always enough. These coverages will cover third parties. That is, if you cause an accident, the insurance company will pay medical expenses and property damage.
It is divided into two parts:
Bodily Injury/Third Party Medical Expenses.
If you physically hurt third parties when you have an accident, this generates medical expenses. In case this happens, your insurance will cover the medical expenses. It works in the following way:
Let’s say we are in a state where the liability limits are $25,000 per person $50,000 per accident. That means, and explains why they are called limits, that the limit per person is $25,000 and per incident is $50,000.
Suppose you caused an accident and 3 people were injured. The medical expenses of person #1 totaled $15,000. The expenses of person #2 totaled $8,000. And the medical expenses of person #3 are $10,000.
None of the hospital bills exceeded $25,000. Between the three people added $33,000, your limit of $50,000 was not exceeded. In the event that these limits are exceeded, you must pay the remainder.
Property Damage / Property damage
This coverage will pay for the damages that you may cause to someone else’s property. Either when causing a car accident, the other person’s vehicle is damaged or you have collided with any other property.
If, for example, we were in a state where the minimum required limit is $15,000 and you cause damage of $8,000, you will be covered. Likewise, if this limit is exceeded, you must pay the rest.
Acquiring the coverages mentioned up to this point is what it means to have basic coverage
Car Insurance with Uninsured Motorist Protection / Protection against Uninsured Drivers
In some states this coverage is required as part of the limits of liability. We always suggest that you have this coverage. You will realize why this coverage is so important:
There are many people out there who drive irresponsibly. There are those who do not have auto insurance or some sure way to pay for an accident. You should keep this in mind, as well as the fact that there is a chance that one of these people will hit your car or your property.
The limits work in the same way as the ones mentioned above, the difference is that instead of paying to third parties, you are paid for the damages received.
Combining these coverages with auto liability or civil liability insurance means that you have medium coverage.
Although in a certain way last explained coverage offers damage to your vehicle, this is only in case you hit someone who is not insured. If you need to cover the damage to your vehicle at all costs, you need Full Coverage. Known as Full Coverage, it is a type of policy in which if your vehicle suffers damage, it will be covered. A full coverage insurance works in the following way and consists of two parts:
This part of your Full Coverage insurance is in case you have a car accident and your vehicle is damaged. Regardless of whether the accident caused you or not, your vehicle will be covered with this coverage. You must pay a part. When you take out the insurance, you will determine what amount you will pay in case of having to repair the vehicle. It is called a deductible and ranges from $50 to $7500. The lower the deductible, the higher the price of your auto insurance. Drivers usually choose a $500 or $1000 deductible
This second part of your auto insurance is in case your vehicle is damaged in any other way. That is, if an object falls on it, if it is damaged in a natural disaster or if it is vandalized. It covers practically any damage that can be imagined and in the same way, you will have to pay your deductible, the rest will be paid by your insurance company.
Car Insurance with Medical Expenses or Personal Protection
This coverage or some variation thereof must also be acquired by law in the following states:
Many people only consider covering the damages that can happen to the vehicle and what it would involve financially. But you should realize that the most important thing is the people inside the vehicle and your health. In order to cover your medical expenses resulting from an accident, you can purchase medical expenses coverage no matter whose fault it was.
It can help you cover the following:
Wounds of the passengers of the car.
Wounds that you can suffer from an impact while you walk or are on a bicycle and a car hits you.
Dental expenses resulting from an accident.
It may be different depending on the state in which you are or the company that assures you.
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