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Home > Blog > Understanding Auto Insurance
THURSDAY, APRIL 29, 2021

Understanding Auto Insurance

Understanding Auto Insurance

 

 

Below is a brief explanation of auto insurance definitions to help you understand your coverage. Please check with your policy to see what limits you have and let us know if you would like a quote to increase those limits.

 

Liability:                     

Coverage pays for bodily injury to another person and for property damage to another’s property caused by the negligent (at-fault) operation of your automobile.

 

Bodily injury is a form of coverage that protects you if you injure someone else.

 

Property Damage is a form of coverage that protects you if you damage someone else’s property.

 

EXAMPLE

50/100/50 =

50,000 (max bodily injury per person) /100,000 (max bodily injury total)/ 50,000 (max property damage) This is split limit coverage and higher limits are available.                                                                                                                                           

300

300,000 (max bodily injury & property damage total)

This is a combined single limit and higher limits are available.

 

 

Uninsured Motorists:

Coverage pays for your bodily injury in the event of a hit and run or an accident involving an at-fault driver who is not insured.

 

Underinsured Motorists:

Coverage pays for your bodily injury in the event of a hit-and-run or an accident involving an at-fault-driver who does not have enough insurance to pay for your loss.

 

Personal Injury Protection (PIP): Available $10,000, $35,000, and some companies $50,000

Coverage pays for reasonable and necessary medical expenses for injuries to the driver and any passenger in the vehicle, regardless of who is at fault in the accident. In addition, there may be coverage available for lost wages, lost services, and funeral expenses. Some companies or other States refer to this as Medical.

Posted 7:12 AM

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NOTICE: This and all content is developed from sources believed to be providing accurate information. The information in this material is not intended to be used as tax or legal advice. Please consult with a tax and/or legal professional for detailed information regarding your individual situation. Some of this material was developed and shared by Angle Agency to provide information that may be of interest. Angle Agency is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
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