Property damage coverage, Uninsured and motorist coverage, medical expense insurance in Car Insurance

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Property damage coverage

If you are damaged to someone’s property when you are found at fault in an accident, property liability insurance can pay for the costs of the property damages. People may think that property damage insurance provides coverage for damages to their own car, however it is a mistake. You would be using your collision coverage instead.

Classification of property damage insurance

  • Hit a parked vehicle
  • Lose control and damage other house
  • Slide on a patch of ice and hit other property

How much property damage insurance do you need?

According to the Insurance Information Institute, we all know that the severity of accidents rises every year, and the costs of materials and labor becomes more expensive. You should consider it when you are setting your limits for property damage coverage. Ask your client service representative what is required in your state.

Uninsured and motorist coverage

Uninsured and underinsured motorist coverage helps ensure you are not left alone to manage costs from an accident for which you are not at fault.

you may be compensated for the damage to your vehicle caused by a driver who doesn’t have auto insurance if you have uninsured motorist coverage. Also, if your auto insurance costs is not enough, and your injuries or damage to property are more than the other driver’s insurance,  it could help you fill the gap.

How much Uninsured and motorist coverage do you need?

Maybe you need this kink of vehicle insurance, because according to the investigation there are 13 percent drivers do not have proper insurance.  so even if this coverage isn’t required in your state, it’s a very good idea to add it to your auto policy.

medical expense insurance

Whether how often you go to the hospital, medical expense insurance will cover the cost of all necessary medical expenses after an auto accident, no matter who is at fault.

Classification of medical expense insurance

  • Surgeries fee
  • Doctor visits fee
  • Funeral costs fee
  • Hospital stays fee
  • EMT and ambulance fees

How much medical payments coverage do you need?

It depends on where you live if you need medical expense insurance, but you need a great plan for the insurance. If you can pay all the medical fee is the important thing. Also, how often do you drive with others? All this is you need to consider.