5 Important Car Insurance Coverages Explained [Infographic]

Car insurance coverages can seem confusing if you’re not a full time insurance agent. So we’ve simplified them by breaking down the 5 most important ones in this handy infographic.

5 Important Car Insurance Coverages Explained [Infographic]

Bodily Injury Liability

This coverage can provide payment for pain and suffering of the OTHER person or persons involved in an accident you caused.
According to the Insurance Information Institute, the average auto liability claim for bodily injury is $17,024.

Property Damage Liability

Let’s say you cause a wreck that damages SOMEONE ELSE’S property, like their car, house or fence. This coverage can pay for those damages.

Collision Coverage

This coverage can pay for damage done to YOUR car if you collide with another vehicle or something else like a building, street sign or tree.
The average number of car accidents in the U.S. every year is 6 million.

Comprehensive Coverage

Of all the car insurance coverages, Comprehensive is the least understood. This optional coverage also pays for damage done to YOUR vehicle. But the damage, in this case, must be caused by something other than collision.  Think fire, tornadoes or a deer damaging your car.

Uninsured/Underinsured Motorist

If a driver with no insurance, or not enough insurance, damages your car or injures someone riding with you, this optional coverage can help cover repairs and other expenses. This coverage can also apply when you are the victim of a hit-and-run accident, and there is no third party held liable for your damages.

Medical Payments

If you’re injured in a covered accident, Medical Payments coverage can help pay for some of YOUR medical costs.

Now that you know your major car insurance coverages, what’s next?

While this infographic doesn’t cover all available car insurance coverages, it represents what we consider the core insurance offerings for personal vehicles. Some others to check with your agent include rental car reimbursement and towing coverage.

Call us at  678-715-9513 to learn more about what car insurance coverages are most appropriate for your situation. Or click the button below to fill out a brief form and have one of our agents contact you.

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