It’s vital to note that if you get involved in a severe accident, claims that can be filed against you can break the bank. If you have this type of coverage, it can be applied to injuries that you cause to someone else. Every individual, including you, listed on the policy would be covered, especially if you’re driving someone else’s car with their permission.
Medical Payments Coverage
This is known as personal injury protection or PIP. It helps you pay for the treatments of injuries to the driver or passengers of your car. Aside from medical payments that the insurer could shoulder, the insurance company would also cover the cost of replacing services and lost wages performed by someone injured in a car accident.
Property Damage Liability
This policy pays for the harm you cause to someone else’s property. It’s also applicable if the same thing happens if someone’s driving the car with your permission. If you happen to hit a telephone pole, lamp post, fence, or other structures while driving, property damage liability would be your savior.
Car collisions may happen on the road. Crashes can hit any objects like telephone poles or trees and get damaged. If in case you are at fault, and you have collision coverage, the insurer will compensate you for the costs of repairing your automobile. In cases, like the other driver is the culprit of the issue, your insurer would get the expense from the other driver’s insurance company.
Uninsured Motorist Coverage
This plan could compensate you or any member of your family if an uninsured motorist hits anyone. Uninsured motorist coverage serves as your protection if you happen to be a victim of a hit-and-run while walking on the road.
Good to know: Each type of coverage is priced separately. Consult a reliable insurer to understand variability in policy limits and costs.
One More Thing Before You Go
Getting car insurance plan is easy. Ease your pain while on the road as quickly as possible through a reliable insurance provider.
At Independent Executive Insurance Brokers, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (805) 624-4815. Get your free quote today by CLICKING HERE.