Considerations When Buying Auto Insurance
When you're looking for basic auto insurance, you'll want to think
about several different types of coverage, depending on your needs and
1. Personal injury protection or medical payments coverage: covers
your own medical and rehabilitation expenses resulting from an accident-regardless
who's at fault.
2. Bodily injury liability: pays for injury you cause others.
3. Property damage liability: pays for damages you cause to others'
4. Collision: pays for damage to your car resulting from a collision
with another car, object or as a result of flipping over.
5. Comprehensive: reimburses you for loss due to theft or damage caused
by something other than a collision with another car or object.
6. Uninsured and underinsured motorist: reimburses you, a member of
your family, or a designated driver if one of you is hit by an uninsured
or hit-and-run driver.
Most states require vehicle owners to buy a minimum amount of bodily
injury and property damage liability insurance before they can legally
drive their vehicles.
General guidelines: the insurance industry and consumer groups recommend
a minimum of $100,000 of bodily injury protection per person and $300,000
per accident, since accidents may cost far more than most states' minimum
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