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Personal injury and property insurance policies have different legal requirements that vary by state. There are minimum coverage amounts for every driver on the road. However, basic Personal Injury and Property Damage Insurance coverages are not enough. It is essential that you consult an insurance expert so that you will know exactly what protection you need while on the road.
Bodily injury and property damage liability insurance policies protect you from liability and expenses involving others in cases of auto collisions. These policies usually have set limits on coverage for payouts toward medical bills and property damage per accident. These policies cover other drivers, not you and your family and passengers. Be sure to consider the maximum Personal Injury Insurance coverage available to protect your loved ones.
Uninsured and underinsured motorists insurance covers the gaps between what your Automotive Insurance policy will pay, and that which the other driver's policy will pay. Uninsured Motorist coverage kicks in after your medical bills and repair costs have exceeded the limits covered by your basic Automotive Insurance policy, including lost wages.
Umbrella insurance policies offer extra coverage and may be necessary to protect you and your personal assets in cases where damages incurred in auto accidents exceed the limits of your basic Automotive Insurance coverage. Protect yourself and your assets from additional medical bills, attorneys' fees and other costs related to a personal lawsuit against you by accident victims. Also be sure to inquire about other supplementary insurance coverage such as Rental Car Reimbursement, Roadside Assistance and coverage for Custom Equipment.
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