Common auto insurance questions:
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· What is bodily injury liability insurance?

· What is property damage liability insurance?

· What is collision insurance?

· What is comprehensive insurance?

· What is medical payments insurance?

· What is uninsured motorist coverage?

· What is an umbrella policy?

 

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What is bodily injury liability insurance?

This type of insurance pays in case you cause an accident in which others are injured or killed. This type of coverage will also help pay for your legal defense if claims or suits are brought against you. Persons covered under this type of liability are you, your covered family members, and anyone driving your car with your permission.

What is property damage liability insurance?

This type of insurance pays if you damage someone else’s property such as their car, mailbox or building. This coverage will also help pay for your legal defense if claims or suits are brought against you. Persons covered under this type of liability are you, your covered family members, and anyone driving your car with your permission.

What is collision insurance?

This type of insurance covers damage to your vehicle from collisions with other cars or objects. It covers only your car and not the object it hit.

What is comprehensive insurance?

This type of insurance covers damage to your vehicle from circumstances other than collisions. These coverage’s typically include falling objects, fire, theft, explosion, earthquakes, floods, collisions with animals and damage due to civil disorder.

What is medical payments insurance?

Regardless of who caused the accident, this insurance pays for hospital and doctor bills, and funeral expenses. It covers you and any passengers in your car. You and all covered family members are also covered as pedestrians.

What is uninsured motorist coverage?

This type of insurance pays for your medical costs if you are injured by an individual who is not insured. Nearly 20% of all drivers are uninsured. A good agent will recommend this coverage, which generally costs only a few extra dollars.

What is an umbrella policy?

Typically people with more than $300,000 in assets will need an umbrella policy. This coverage rides over all of your other liability policies and begins to pay when they are exhausted. Generally, a $1,000,000 umbrella policy will cost $200 to $300.00 extra dollars per year.

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