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Buying Auto Insurance

Most drivers with auto insurance tend to say that they have auto insurance only because they are required. Many lack the interest to look into their own insurance policies and thus do not usually understand it. But failing to know the extent of your coverage can actually make you spend more than if you knew the discounts that may be involved as well as the benefits. There are a few things you should know about the basics of your insurance policy, as your knowledge will come in handy should you get into an accident.

Bodily Injury Coverage and Property Damage Liability

These two types of coverage cover you up to your appointed maximum limit if you are held accountable for an auto accident and someone is injured or their property is damaged.

Comprehensive Coverage

This kind of insurance pays for damages done to your car if you are in an accident that you are found at fault for.

Comprehensive Coverage

This type of coverage pays for replacements or repairs for your car in the event that it is involved in a natural disaster, fire, theft, vandalism, etc.

Uninsured/Underinsured Motorist Coverage

When you are involved in an accident with a person who has insufficient insurance or none at all, this type of insurance will cover you.

Medical Payments Coverage

Covers medical and funeral expenses incurred by an auto accident, regardless of who is at fault.

The Who of Insurance

It is always a good idea to know who will need to be on your insurance policy. Determine this byconsidering who in your household may drive your car as well as any other car. If there are those who do not live with you and may drive your car, your should also consider purchasing insurance that will cover you should another person get into an accident with your vehicle. Also ensure that you have coverage for any other party that could be potentially injured.