Know the Basics

 


So you have gotten your auto insurance quotes and are ready to pick a great plan. How do you decide which plan you need? What you must do is look at the basics of each plan to see what each plan covers and what it will not cover. What's that you say? You do not know the basics of auto insurance and how they each work? Well, you are in luck. The following are the parts of auto insurance that you must get to know. This is just one more step you can take in order to get the best deal possible on auto insurance quotes.


Personal Injury Protection

If you or any of your passengers are injured during an accident this part of the insurance will kick in. When you have this protection you will now be able to breathe easier because any of your medical expenses or lost wages will be covered. Often you might not be require to get some type of personal injury protection but this varies state to state so make you know what your state requires. Also, solid health care may offset any need for PIP. If this is the case then the lowest amount of PIP will work fine for you.


Personal Liability and Bodily Injury

This part of the insurance will protect you, the policy holder, from any injury caused to other people or damage caused to other property. This aspect is required by law in each state, and you must have at least the smallest amount of coverage possible. This is where it becomes smart to note how much coverage you get in each situation and how you will be protected.


Uninsured Motorist

There may be times when you get into an accident with someone who does not have auto insurance. If this happens then you are all right. You will be covered in this situation, because it is not your fault that the other person has no coverage. This also comes into play if you are in a hit and run and the person who hits you flees. If the other driver is under insured and does not have proper coverage, then you will be covered.


Comprehensive and Collision

These are the big parts that can often add a cost to your premium. Comprehensive coverage will help you in the event that your car is broken into or you have something stolen. This will also help you if you face any natural disaster. Collision will help cover you for, you guessed it, collisions. You will not only be coverage for collisions with other cars, but also with other objects. Many people opt for a lower premium and higher deductible, but you must know what works for you. Please visit the following page for help on what you should look for in auto insurance.

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