by David Singer | Oct 14, 2019 | Automobile Accident |
Over 140 million workers commute to work each day, a number that steadily keeps growing. With more and more cars crowding the roadways, chances are high that you’ll be in a car accident at least once. Crashes aren’t limited to rush hour. People indulge too much at parties or on special holidays and then get behind the wheel, making the roads unsafe. When you’re in a crash, it’s too late to start thinking about what type of car accident insurance is available. Keep reading to learn about your options before you really need it. Liability Insurance Liability coverage is the portion of your policy that pays for other’s injuries in an auto accident that you cause. Liability coverage has several different aspects to it, including property damage you cause to the other party in an at-fault accident. However, the portions relevant to personal injury claims are bodily injury liability limit per person injured, and bodily injury liability limit per accident. Most states won’t let you drive a car without liability insurance, which covers the basics in case you’re at fault in a collision. It’s always a good idea to carry coverage beyond what your state requires, just in case. The more protection you provide for yourself and your assets, the better. Comprehensive Insurance The majority of drivers- around 77% – purchase both liability and comprehensive insurance. Comprehensive is just like the name suggests – it covers a wide range of incidents. Get comprehensive insurance to cover losses due to bad weather, theft, damage from hitting a large animal, and more. Underinsured/Uninsured Motorist Protection Other drivers might not have as much coverage as you do, or any at all. Under-insured or uninsured motorist protection covers damages to...
