Auto insurance is insurance purchased for cars, trucks, and other road vehicles. Its primary use is to provide protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise from accidents. Automotive insurance covering liability for injuries and property damage is compulsory in most states, but different states enforce the insurance requirement differently.
Liability coverage is offered for bodily injury (BI) or property damage (PD) for which the insured driver is deemed responsible. The amount of coverage provided (a fixed dollar amount) will vary from jurisdiction to jurisdiction.
Collision coverage provides coverage for an insured's vehicle that is involved in an accident, subject to a deductible. This coverage is designed to provide payments to repair the damaged vehicle, or payment of the cash value of the vehicle if it is not repairable or totaled.
Comprehensive coverage provides coverage, subject to a deductible, for an insured's vehicle that is damaged by incidents that are not considered collisions. For example, fire, theft (or attempted theft), vandalism, weather, or impacts with animals are types of comprehensive losses.
Underinsured & Uninsured
Underinsured and Uninsured coverage provides coverage if an at-fault party either does not have insurance, or does not have enough insurance. In effect, the insurance company pays the insured medical bills, then would subrogate from the at fault party.
Personal Injury Protection
Personal Injury Protection (PIP) is an extension of car insurance available that covers medical expenses and, in some cases, lost wages and other damages. PIP is sometimes referred to as "no-fault" coverage and PIP is designed to be paid without regard to "fault", or more properly, legal liability.
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