Auto Insurance Terms You Should Know

Auto Insurance Coverage Options

Unless you are an insurance agent, knowing exactly what coverage you are buying when you invest in an auto insurance policy can be confusing. To ensure that you choose the right amount of protection for your needs, make sure that you know what these commonly misunderstood auto insurance terms mean.

  • Comprehensive coverage – even though comprehensive seems like it may provide coverage for a broad range of perils, it is actually pretty specific. Some insurance companies will refer to comprehensive coverage as “other than collision” coverage, which means it will provide protection for damage that is done during a peril other than an accident, such as fire, flood, hail, or if it is vandalized or stolen.
  • Bodily injury liability – if you are found to be at fault for a car accident that caused injury to someone who is not in your car, bodily injury liability will cover their medical bills. It is important to keep in mind that it will not provide any coverage for your injuries that are incurred during the accident.
  • Personal injury protection – will cover the cost of your medical payments if you are injured in an accident, no matter who is found to be at fault. It will also provide coverage for lost wages if you are not able to work while you are recovering.
  • Property damage liability – any damage that you cause to another person’s vehicle or property, such as a mailbox, will be covered under your property damage liability coverage. It will not provide coverage for damage that is done to your car. You will need to invest in collision coverage to ensure that your car will be covered.

When looking for the right auto insurance policy that will provide the protection that you deserve, contact Jack Stone Insurance Agency in Antioch, California.

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