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Car Liability Insurance
Why You Need It
Car insurance policies are made up of different types of coverage that offer different forms of protection. Liability coverage pays for the costs of property damage and bodily injury that you cause to another driver and their vehicle. For example, if you’re at fault for an accident, liability coverage may cover:
The medical expenses of the other driver or their passengers if they’re injured in the accident
Cost of property damage and repairs to the other driver’s vehicle
Legal fees if the other party sues you
Car Insurance
Types of Auto Insurance
Uninsured Motorists – adding this coverage protects against the injuries you, your family, or your passengers might suffer in a hit-and-run accident or in an accident with an uninsured vehicle.
Collision Coverage – with this insurance, your insurer pays you, without regard to fault, for damage to your car.
Comprehensive Coverage – under comprehensive coverage, your insurer pays you, without regard to fault, for damage to your car from all causes, other than collision, such as theft (of the car itself or its parts), fire, flood, windstorm, glass breakage, vandalism, hitting or being hit by an animal, by falling or flying objects or if your car is stolen. Generally, this coverage is provided until the time the company makes an offer to settle your claim.
Medical Payments Coverage – this insurance pays (without regard to fault) medical expenses for you and persons riding with you, if an accident occurs involving your car
