There are many different coverage options available for auto insurance. Here are 7 you should consider when shopping for auto insurance.
Bodily Injury Liability
If your actions are found to be the cause of an accident this covers the cost of the injuries per passenger. In PA we are a no fault medical state, so you want to take into account your own Personal Injury Protection as well. Full and Limited tort also make a large difference in your cost so it’s something you want to take into consideration.
This coverage compensates for damage to other property including another car, telephone pool, storefront signs etc. Talk to your agent about what’s right for you, the bigger and more powerful your car, the more you want to have.
This coverage comes into play when an accident results in your car colliding with anything. The amount of deductible you choose is up to you, however you want to consider what you would expect to pay out of pocket if you are involved in an accident.
The type of coverage compensates when there is damage to your auto due to acts of god like animals and flood, or things like vandalism or a windshield crack. The amount of deductible you choose is up to you just like collision, again you want consider what you would expect to pay out of pocket if you are involved in an accident.
Under insured/Uninsured Motorist Coverage
This coverage comes into play when someone else hits you and causes an accident and either has no insurance or not enough insurance to cover your injuries.
Things like towing, roadside assistance, and rental car coverage are just a few of the many extras offered to make up a policy that fits your needs.