Understanding Insurance Claims

What Does A Personal Auto Insurance Policy Include?

Having a personal car comes with a lot of comfort and convenience. You can run errands, take road trips, and commute to work at your preferred time without any hassles. However, it also requires you to have a sense of responsibility by investing in personal auto insurance. Irrespective of how experienced or careful you are while on the road, collisions do happen. 

A personal auto policy will cover you, your passengers, and your automobile from the injuries and damage that result from a car crash, depending on your plan. Read on to learn what a personal auto insurance policy entails. 

Liability Coverage

In most states, it's a legal requirement to have liability coverage. This covers the costs of other motorist's bodily injuries or property damage from an accident in which you're at fault. 

Primarily, liability coverage protects you, the family members you have included in the policy, and any other drivers you have permitted to drive your vehicle. Before filing a claim, it's always advisable to confirm who is covered in your policy. 

Physical Damage Coverage

Physical damage coverage covers both collision and non-collision damage to your vehicle. Collision damage refers to damage resulting from a collision with another car or object. In contrast, non-collision damage refers to damage from other causes apart from collisions, such as floods, fires, or wind damage. 

It's not a legal requirement to have physical damage coverage in most states. But if you took a loan to buy your car or if you have a leased car, physical damage coverage may be a requirement.

Uninsured Motorist Coverage

Uninsured motorist coverage aims to protect you if you get into an accident with an underinsured or uninsured driver. In normal situations, you would file a claim with the driver's insurance company and use the proceeds to cover your medical bills and repair your car. 

But when the driver doesn't have sufficient coverage or doesn't have any insurance at all, uninsured coverage minimizes the amount you have to pay towards your medical bills or repairs. A hit-and-run driver is also regarded as an uninsured motorist. 

Medical Payments Coverage

Medical payments coverage covers you or your passengers' medical costs if you're injured in an accident, irrespective of who caused it. It can also cover ambulance services, doctor's visits, dental procedures, prosthetic limbs, and extended hospitalization. 

The availability of this coverage varies by state and isn't a legal requirement. But if you have caused an accident and don't have this coverage, you would have to cover your medical costs on your own. 

Contact a company that offers personal auto insurance coverage to learn more.