What Does Your Auto Insurance Cover?

Typical auto insurance policies will provide coverage for the following damages.

Auto insurance is one of the most common insurance policies out there, but that does not mean that everyone fully understands what it covers. Keep this simple guide in mind to help you figure out exactly what your policy covers.

  • Bodily injury liability – which will provide coverage for any injuries that you cause to another driver during an accident. It will also cover any family members who are listed on your policy as well as anyone who is driving your car with permission.
  • Personal injury protection – also known as PIP, this will cover the cost of your medical bills and the medical bills of any of your passengers after an accident, as well as lost wages and funeral costs.
  • Property damage liability – which will cover the cost of repairs for any damages that you cause to another person’s property during an accident. It will also cover named family members on your policy and anyone who has permission to drive your vehicle.
  • Comprehensive – sometimes called other than collision, this will provide coverage for damages done to your vehicle in incidents other than a crash, such as damages caused by fire or theft.
  • Collision – which will cover the cost of repairs to your vehicle after an accident with another car or object. In most policies, this will also provide coverage for damage that is caused by potholes.
  • Uninsured/underinsured motorist coverage – which will cover the cost of damages if you are involved in an accident with a driver who does not have auto insurance or does not have enough coverage to cover the cost of the damages.

For more information on your auto insurance policy coverages to ensure that you have the protection that you deserve, all at the right price to fit your budget, contact the independent insurance professionals at Agape Brokers Insurance Agency in Hemet, California.

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