The first two numbers are for bodily injury liability and the third number represents the minimum amount of property damage liability.
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A question you might ask yourself is: why must I carry car insurance? Hopefully one answer you should hear is to protect yourself and your car. For those same reasons the government also requires you to have car insurance, so you better get car insurance coverage before you loose your car or your license
Most people only think that car insurance is something they need so they can get their registration and tag so they can drive. It is something that they need because their license will be suspended if they don't get it. It's just a bother to some because people think "I don't get into accidents, I am a careful driver."
Often times people will call for car insurance quotes and say give me the cheapest car insurance coverage or give me only what is required. Many people don't even know what this insurance coverage is. A lot of people only really become aware of what coverage they have when they need it, like when they need to make a claim.
Often times people will call for car insurance quotes and say give me the cheapest car insurance coverage or give me only what is required. Many people don't even know what this insurance coverage is. A lot of people only really become aware of what coverage they have when they need it, like when they need to make a claim.
When you run into that stopped car or have someone sideswipe your car in a parking lot while you are shopping, suddenly having only the coverage that is required by law may not be the best thing to have. You should always have as much car insurance as you can afford to carry. Having too little is never good and if you have car insurance you cannot afford is not any better. A policy that is cancelled due to non-payment does you no good at all.
Well, if you have the proper state required car insurance coverage you will be protected by the no-fault law. If you are in an accident whether you are at fault or not at fault you will go through your own personal injury coverage for your medical expenses for the first $10,000. If you do not have at lease state minimum insurance then you will not be protected and may be subject to paying for the injuries of the other people you hurt in the accident.
Well, if you have the proper state required car insurance coverage you will be protected by the no-fault law. If you are in an accident whether you are at fault or not at fault you will go through your own personal injury coverage for your medical expenses for the first $10,000. If you do not have at lease state minimum insurance then you will not be protected and may be subject to paying for the injuries of the other people you hurt in the accident.
There are many types of car insurance coverage to purchase and meet your car insurance needs. Every car insurance coverage has a purpose and all are good to get.
State minimum insurance is Personal Injury Protection and Property Damage. Personal Injury Protection or P.I.P. covers your medical, hospital and funeral expenses up to its limits. It also covers others in your vehicle and pedestrians struck by your car. You are covered for up to $10,000. There also may be a deductible. This can be $ 0, $250, $500 or $1000 deductible.
Property Damage liability covers if your vehicle damages another person's property. This could be their car, house, motorcycle, etc. Limits for this are $10,000, $25,000 or $50,000
Another valuable coverage is Bodily Injury Liability. Bodily Injury covers other people's injury or death that you are responsible for up to the limits you purchase. This law states that if you are not financially responsible at the time of and at fault accident where someone gets injured or property damage occurs, your license may be suspended. At this point you may be able to get your license back by filing an Sr-22. This form shows to the state you are now carrying Bodily Injury Coverage and are now financially responsible. Usually you must carry this for 3 years with no lapses in car insurance coverage.
Another common car insurance people ask for is Full Coverage. This is not a car insurance coverage and means a different thing with every company you call. Most people only know that their car dealer or bank wants Full Coverage insurance so they ask for it. Comprehensive and Collision is what these companies are looking for. Collision covers repairs when your vehicle hits or is hit by another vehicle. If it is destroyed it will also pay up to the book value of the vehicle at the time of a loss. Comprehensive covers for loss caused by other circumstances other than a collision. Some examples are theft, flood, fire or animal damage. This will also cover total losses up to the book value of the vehicle.
Other types of car insurance coverage available are; Medical and Uninsured Motorist. Medical covers medical costs to you and your passengers injured in an accident. Uninsured Motorist covers injuries to you and your passengers when the other person in the accident is at fault but does not have car insurance or does not have enough car insurance coverage.
Another common car insurance people ask for is Full Coverage. This is not a car insurance coverage and means a different thing with every company you call. Most people only know that their car dealer or bank wants Full Coverage insurance so they ask for it. Comprehensive and Collision is what these companies are looking for. Collision covers repairs when your vehicle hits or is hit by another vehicle. If it is destroyed it will also pay up to the book value of the vehicle at the time of a loss. Comprehensive covers for loss caused by other circumstances other than a collision. Some examples are theft, flood, fire or animal damage. This will also cover total losses up to the book value of the vehicle.
Other types of car insurance coverage available are; Medical and Uninsured Motorist. Medical covers medical costs to you and your passengers injured in an accident. Uninsured Motorist covers injuries to you and your passengers when the other person in the accident is at fault but does not have car insurance or does not have enough car insurance coverage.
Types of Car Insurance Coverage
