Car insurance can protect you or a loved one in an accident by covering expenses such as medical bills, property damage, and other damages sustained as a consequence of the accident. Although most states require minimum coverage it can prove inadequate following an accident so investing in a good policy can provide peace of mind that you or a family member is covered in a car accident.
Understanding what is available to you is the first step. Four common types of car insurance include:
Liability insurance, which covers any damages and injuries to the other driver that you may cause. Bodily injury liability covers the other driver’s medical expenses, where property damage liability covers the repair costs to the other party’s property.
Personal injury and medical payments coverage covers medical bills for you and your passengers regardless of who is at fault. Personal injury protection not only helps with medical bills for you and your passengers regardless of fault but may cover other expenses including lost wages and expenses related to the accident.
Unfortunately, drivers sometimes derive without car insurance or with very little coverage, that is where uninsured and underinsured motorist coverage comes into play. If an at fault driver has no or little insurance, uninsured and uninsured bodily injury will cover your medical expenses as will uninsured and underinsured motorist poverty damage cover the repair costs of your vehicle.
Collision and comprehensive insurance is often an optional ad on unless you are financing or leasing, but can come in very handy. Collision covers damages to a vehicle even in a single car accident up to the cash value of a car minus the deductible. Comprehensive insurance covers a vehicle if is it stolen or damaged by anything other than a car accident such as hail or flooding.
It is important to work with your insurer to determine what coverage is right for you. In the event you are injured in an accident, working with an experienced personal injury attorney to pursue maximum compensation from your or the other drivers insurance company to cover any medical expenses, property damage, lost wages, pain and suffering and more. Contact Des Moines personal injury attorney Marc Humphrey for assistance today.
