by Administrator
20. April 2015 07:43
Choosing suitable car insurance can be quite daunting, specifically for the first timers but it is an essential purchase when you buy a car. Most companies and financial institutions require a proper car insurance policy to allow you to have complete possession of the vehicle. However, with proper under knowledge and understanding of the coverage options, you can be in a better position to take a wise decision about which insurance to buy.
Here are the common car insurance coverage options offered:
- Bodily Injury Liability: This includes providing compensation for the medical expenses of the people injured in a car crash caused due to the insurer’s fault. It usually pays for the treatment of injuries, rehabilitation, loss of wages, legal representation and funeral costs, if required.
- Property Damage Liability: This coverage compensates the damage caused to the other party’s car when the insurer has caused the accident. The amount of coverage that will be paid depends upon the cost of your car insurance.
- Comprehensive And Collision Coverage: This covers all the damages caused to your car due to occurrences other than accidents. These may include fire, weather damage, theft, vandalism, tornadoes, hurricanes, flood etc. Collision coverage compensates the damages when the car is involved in any collision, such as with another stationary vehicle, a pole or any other object.
- Uninsured/Underinsured Motorist: This provides coverage in case you are involved in an accident with an uninsured driver or if the at-fault party’s insurance coverage is not sufficient to pay for your medical expenses.
- Medical Payments Coverage: This covers the medical expenses following a car accident, regardless of who is at fault. This coverage usually provides coverage for the medical bills up to first three years of the occurrence of the accident.
- Custom Parts And Equipment: This car insurance coverage includes protection for the equipment, devices and accessories attached to the vehicle. It also covers the damages caused to any customized parts in the car that alter its performance or appearance.
- Roadside Assistance: It provides towing services in the event of an unexpected breakdown of the car due to mechanical failure flat tire, insufficient fuel, overheating, dead battery, lost or stolen keys, entrapment in mud or snow etc.
We, at Shawn Camp Insurance Agency, Inc., can help you choose the most suitable coverage options for your car insurance. To request an online quote, feel free to call us at (254) 526 – 0535.
