Drivers know they need auto insurance coverage when you own and use a vehicle. Many people choose to get the minimum coverage required by the state in which they reside without understanding the purpose of insurance and how it will protect them in case of an accident.
Understanding the various options can help drivers make informed decisions when it comes to choosing an auto insurance policy. If you are looking for more information about auto insurance coverage click here now.
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State law requires that drivers licensed to possess the minimum amount of insurance coverage known as basic responsibility. Basic responsibility refers to bodily injury and property damage.
Bodily injury covers medical expenses that hurt anyone if you are at fault for the accident. Property damage covers the cost of repair or replacement of damaged cars and property if you are at fault.
Bodily injury and property damage only covers the expenses of others and their property. It does not apply to your injuries or damage to the car.
Personal injury protection and medical payments covers medical bills if you are injured in a car accident. Protection against personal injury and expenses also covers everyone injured in his car accident.
Personal injury protection pays a certain percentage of their lost wages if you are unable to work at all or are only able to work part time as a result of injuries sustained in the accident.