Good to know - Main auto insurance Coverages

1
Car Insurance Coverages
For more information please visit
carinsuranceguidebook.com
2
Car Insurance Coverages Seem Complicated?

• They might sound complicated, but are really
  pretty simple.
• Knowing these coverages will help you get the
  best insurance protection tailored for you and
  your lifestyle. It will also help you avoid
  unnecessary coverage and get a lower price.

Full Coverage?
Uninsured/Underinsured?
Liability Coverage?
PIP - Personal Injury Protection?
Comprehensive Coverage?
3
Comprehensive Coverage

• Covers damages to a vehicle that are not caused
  by a collision.
• Who should get it?
• Those who want coverage to pay for damages done
  to their vehicle from incidents like hitting an
  animal, windshield damage and other glass claims.

4
Emergency Road Service

• Covers if the vehicle breaks down on the side of
  the road.
• Coverage would be given in the form of towing,
  someone to come out and replace a bad tire, or
  also for someone to bring you gasoline.
• Who should get it?
• Anyone who wants the peace of mind that someone
  will come help them when they are on the side of
  the road.

5
Full Coverage

• A term used to describe when a vehicle has both
  the required liability insurance and also
  coverage for damages to the vehicle itself
  (comprehensive and collision coverages) in place.
  
• Who should get it?
• Those who want the damages to their vehicle and
  any damages to the other person or their vehicle
  to be covered in the event of an accident.
• Anyone who has a loan on their vehicle
• When To Drop Full Coverage Insurance? Read full
  article on our website

6
Liability Coverage

• Insurance that pays for medical bills and damages
  to another persons property that are caused by
  you. (Property damage liability coverage and
  bodily injury liability coverage)
• Who should get it?
• Everyone. It is required by law in almost all 50
  states.

7
Medical Payments

• Pays for the medical bills that may be incurred
  for your family or the passengers in your vehicle
  in the event of an accident.
• Who should get it?
• People who dont want to take the risk of
  incurring costly medical expenses.
• Note This coverage is also available if a member
  of your family is hit as a pedestrian by a
  vehicle.

8
Personal Injury Protection (PIP)

• Same as the Medical Payment Coverage, but also
  covers loss of income and other financial
  hardships that you may face.
• Who should get it?
• It is used by people in situations where an
  accident occurs without anyone at fault.

9
Rental Reimbursement (Loss of Use)

• Rental reimbursement coverage is an optional
  coverage that helps you pay to rent a car if your
  own vehicle is not drivable after a covered loss.
  
• Who should get it?
• Drivers who cannot afford to be without a car.

10
Uninsured/Underinsured

• Optional coverage offered on an insurance policy
  that covers damages or injuries caused by another
  party who has no insurance or does not have
  enough insurance coverage for the accident costs.
• Who should get it?
• Anyone who wants to be protected from whose that
  illegally drive around without insurance coverage.

11
Drive Safe!

• For more information please visit
  carinsuranceguidebook.com