Personal Auto Coverages.

"Personal Auto Coverages..."

1. Liability Coverage.

Liability coverage provides you with the coverage. you need if you are at fault in an automobile accident. 

This coverage offers two types of protection.

            1. coverage for injuries to other people.

            2. coverage for damage to someone else's property.

So if you accidentally hit someone else's car and injure the other driver, your Liability Coverage would pay for not only the covered damages to their vehicle but also for the medical expenses related to their injuries...And yes, I said "their" injuries, not your own,

2. Uninsured Motorist Coverage.

The third part of personal auto insurance is Uninsured Motorists Coverage or UM Coverage. 

UM, coverage protects you if you are involved in an accident with someone who breaks the law by not carrying their own auto liability insurance.

It does this by helping pay for any medical explains you incur as a result of getting hit by an uninsured driver. And although it may not sound fair, these types of accidents do happen.

According to statistics, nearly one in seven drivers on the road is uninsured, which makes protecting yourself an absolute necessity!

In any state, you can also purchase additional protection called Underinsured Motors Coverage driver has insurance coverage, but just not enough to fully cover all of your medical expenses.

By now, you may be wondering how you are going to pay for damages to your own car. 

3. Medical Payments Coverage.

Because Liability Coverage only provides coverage for injuries caused to the other people involved you will need Medical Payments Coverage to help pay medical expenses related to injuries sustained by you or your passengers in an accident. 

This coverage comes into play no matter who is at fault. 

4. Coverage foe Damage to tour Car.

Also known as Physical Damage coverage. It pays for direct and accidental loss to your vehicle, there are two parts to Physical Damage coverage: Collision - for when your car impacts another vehicle or object or is upset, and Other Than Collision, which covers almost any other type of direct, accidental loss not excluded by your policy.