What Are The Most Common Types Of Auto Insurance Coverage ...

Auto Liability Coverage

Auto Liability coverage pays for damages you are legally responsible for in the event of an accident.? Auto Liability is usually broken down into two parts.? Bodily Injury Liability will typically cover medical expenses, pain and suffering, lost wages, and other special damages.? Property Damage Liability covers property damages such as dame to your vehicle.? In some instances Auto Liability coverage will also pay for legal defense and court costs.

Personal Injury Protection (PIP)

PIP coverage pays the reasonable and necessary medical expenses related to an auto accident for those covered.? Coverage is some instances may include rehabilitation, lost earnings, funeral expenses and replacement of services such as child care for a disabled parent.

Medical Payments

Typically referred to as Med Pay, this auto insurance coverage usually pays for reasonable and necessary medical and funeral expenses related to an auto accident.

Collision

Collision coverage pays for damages caused by a collision with another vehicle or object.? It also may provide coverage if your vehicle has a rollover.? Typically a deductible is applied to this type of coverage.

Uninsured Motorist / Underinsured Motorist

In the event that you are in an auto accident with someone who does not have liability insurance Uninsured Motorist coverage will pay for damages.? Underinsured Motorist coverage is similar and pays for damages if the liability policy limit of someone you are in an auto accident with is insufficient to pay for your damages.

Rental Reimbursement

If your vehicle is disabled because of an auto accident Rental Reimbursement coverage will pay for a rental vehicle.?? Insurance companies will place a limit on daily allowance and total days of rental allowed.

GAP INSURANCE

If your vehicle is totaled and you still owe money, gap insurance will pay the difference between what the vehicle is worth after the wreck and what you still owe on the vehicle.

There are many traps in regards to coverage that insurance companies try and deny you benefits you have paid for or are entitled to. If you are in an automobile accident, car wreck, trucking accident or hit by a drunk driver, please call the law office of Neil Flit for a free consultation at 770 916 1270 or visit us at AtlantaHurt.com

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This entry was posted on Friday, November 2nd, 2012 at 4:34 pm and is filed under Auto Accidents, Personal Injury. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

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