Basic Coverage for Your Auto Insurance Policy


Paying premium dollars for your basic car insurance coverage? You might have a lot of coverages tacked on to your policy. Here’s a rundown of common insurance coverages to see if you need all these or if you can ditch a few to save up on insurance costs:

  • Bodily Injury Liability. If you’re at fault, then this covers the costs of treatment for injuries you cause to someone else, whether it’s to the other driver or passengers of the other vehicle.
  • Medical Payments or Personal Injury Protection. This covers costs of your treatment though it can also cover lost wages, payment for lost services and funeral costs.
  • Property Damage Liability. Covers the damage you cause someone else property, says the Insurance Information Institute.
  • Collision. This reimburses you for costs incurred from any damage to your car after a collision with another car or an object like a lamppost, building or fence.
  • Comprehensive. Covers theft or damage caused by natural disasters such as earthquakes, windstorms, hail, flood or damage resulting from contact with animals. Missiles, falling objects and basically anything that causes damage to your car—apart from a collision with another car—is covered.
  • Uninsured. This covers your expenses if an uninsured driver hits you. This is also handy if you’re the victim of a hit-and-run accident.

PIP Coverage

Out of all the coverage you have, PIP is one of the most essential on the list. To make sure you make the most out of the advantages it offers, look for personal injury lawyers in St. Charles to help you out. That way, you’ll have someone who knows exactly how to make your policy work for you. With a lawyer, you won’t have to worry about what move to do next. You have someone to make sure you take the right legal steps.