What is liability car insurance

In this blog you will know about What is liability car insurance. A auto insurance policy has two parts: liability coverage and collision or comprehensive coverage. Liability coverage pays for the cost of injuries to other people, up to the limit you choose, when you’re legally responsible for an accident. The higher your liability limits, the more protection you have if someone claims that you’re liable for their injuries in an accident and sues you. Collision or comprehensive coverage pays to repair or replace your car if it’s damaged or stolen, up to the limit you choose.

Property Damage Liability
This type of coverage pays for damage you cause to another person’s property in an accident. It can pay for repairs to things like a fence, garage, or another vehicle. If the other person sues you, this coverage can also help pay for your legal fees. If you don’t have enough money to pay them yourself, your insurer will step in and help out. Property Damage Liability:
It covers damage to someone else’s property (e.g., fences, buildings) caused by you in an accident as well as injury damages that may result from such accidents.
The scope of liability will vary with the auto insurance policy so it should be carefully reviewed before purchasing it

Bodily Injury Liability
This coverage protects you if you are responsible for an accident that injures another person. It can help pay for the other person’s medical bills, lost wages, and pain and suffering. In some states, it also covers funeral expenses. Bodily injury liability coverage has limits, which is the maximum amount your policy will pay. You can choose a higher limit if you want to, but it will cost more.

Medical Payments Coverage
Also known as med pay, this coverage pays for the medical bills of you and your passengers after an accident, regardless of who is at fault. If you have health insurance, med pay may be redundant. But if you don’t have health insurance or if your health insurance has a high deductible, med pay can be a lifesaver. Most states require drivers to carry at least a small amount of med pay coverage.

Uninsured/Underinsured Motorist Coverage
Uninsured motorist coverage protects you if you’re in an accident caused by a driver who doesn’t have insurance. Underinsured motorist coverage protects you if you’re in an accident caused by a driver who doesn’t have enough insurance. Both types of coverage can help pay for medical expenses, lost wages, and other damages.

Personal Injury Protection (PIP)
PIP is a type of coverage that pays for your medical expenses and lost wages if you’re injured in a car accident, regardless of who’s at fault. PIP is also known as no-fault coverage because it pays for your injuries even if you caused the accident. PIP can be used to pay for things like ambulance rides, surgery, x-rays, and funeral costs.

Collision Coverage
This type of coverage will pay for damage to your vehicle that results from a collision with another object, whether it’s another car, a tree, or a guardrail. If you have an accident and it’s determined to be your fault, your collision coverage will pay for the repairs to your vehicle up to the limits of your policy.

Comprehensive Coverage
Liability insurance is one of the most important types of car insurance you can have. It protects you financially if you’re found at fault for an accident that injures someone or damages their property. If you don’t have liability insurance and are found at fault, you’ll have to pay out of pocket for any damages. That could mean selling your assets, taking out a loan, or declaring bankruptcy. In some states, it’s even illegal to drive without liability insurance.

Rental Reimbursement

Emergency Roadside Assistance
Imagine you’re driving along and your car breaks down. You’re stranded on the side of the road and have no way to get help. That’s where emergency roadside assistance comes in. Emergency roadside assistance is a service that helps you when you’re stranded on the side of the road. It can help you with things like getting your car towed, getting a flat tire changed, or even getting some gas if you run out. This service can be a lifesaver if you find yourself in a bind while out on the road.

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