Auto insurance can be bought in the form of a bundle of coverage, or each section in the bundle can be bought seperately. Liability the core of an auto policy pays for bodily injury and property damage to others when you are legally responsible for the accident. Liability coverage stated separately for bodily injury and property damage pay for other people’s injuries—not yours.
Medical payments cover you and your passengers’ medical fees regardless of who was to blame for the accident. The uninsured motorist coverage offers protection to you your spouse and resident children if you are stricken by an uninsured motorist or a hit and run driver while driving or walking. Collision pays for damage to your car, when you hit another vehicle or an object like a tree telephone pole etc. Collision coverage is usually sold in the form of a deductible the larger the amount of the deductible the less the premium losses caused by fire wind theft vandalism collision with animals explosions flood and, lightning are covered by the comprehensive coverage feature. Accidental Death and Dismemberment coverage pays a lump sum for death in a car accident loss of a limb blindness fractures and dislocations plus a disability benefit, each week.