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Car Insurance: Understanding Your Policy



Even though it is common knowledge that car insurance is a requirement to operate a vehicle, most drivers do not understand what coverage they have and how important the right policy is to protect themselves in the event of a crash.


Here are common terms you might hear when shopping for insurance:

Collision: If you’re in an car accident, regardless of who is at fault, collision insurance provides protection to replace or repair your vehicle.


Comprehensive: In the event of hail damage or a tree limb falling on your car (risks not involving an automobile collision), this coverage pays to repair your vehicle.


Personal Injury Protection: This type of insurance coverage is for medical and other expenses resulting from an automobile accident for the people specified in the policy, regardless of who is at fault in the accident.

Medical payments or Personal Injury Protection: This feature provides coverage for you and your passengers’ medical expenses as a result of an accident, regardless of who is at fault in the accident.

Bodily injury liability coverage: This coverage pays damages if you injure someone in a car accident (or if someone injures you).

Uninsured and under-insured motorists liability coverage: If you’re in an accident with another driver who doesn’t carry any or enough liability coverage, this coverage allows you to collect damages that you personally experience from the accident.

Car insurance coverage requirements and minimums vary in each state. If you are involved in a car accident, your attorney will help you navigate your specific insurance policy.


Contact our attorneys for a free consultation about your car accident.

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