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The Curious Bag
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Auto insurance is designed to financially protect the insured in the event of an automobile accident. The most basic auto insurance policies make sure that, if you damage someone else or their property, they are compensated.
Property Liability
Your property damage liability insurance policy covers property damage, both vehicle and real property, for the other party in the event of an accident that is your fault. This does not cover your vehicle or property.
Body Injury Liability
This coverage pays any medical bills associated with the accident for the other driver in the event the accident was your fault.
Uninsured Motorist
This coverage helps you to recoup some of your loss in the event you are hit and/or injured by an uninsured or under-insured motorist.
Comprehensive
Comprehensive coverage pays for the cost to repair or replace your vehicle in the event it is damaged due to an incident other than a motor vehicle accident. This can include storm damage, theft, riots or other events.
Collision
Collision damage pays to repair or replace your vehicle in the event you are involved in an accident that is deemed your fault. If the accident is your fault, the other motorists' insurance will not accept a claim from you for damage. If you do not have this coverage, you will have to pay out of pocket for repairs or replacement.
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