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.
Bodily Injury Liability
This coverage can provide payment for pain and suffering of the OTHER person or persons involved in an accident you caused.
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.
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.
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.
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.
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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