What Is In Your Free Auto Insurance Policy Quote

Everyone who drives a car has to have auto insurance but sometimes the terms get really confusing and your not quite sure what you are getting when you get one of those free insurance auto policy quotes you can get online. So here are some basic explanations of what each of the coverages are that may be in your insurance quote. Getting an insurance quote online is one the best ways to get cheaper auto insurance. It is easy to compare prices and you have many companies to choose from. Insurance companies have

There are actually a couple different kinds of liability when it comes to your auto insurance policy:

Bodily injury liability - pays medical costs, loss of income, and compensation for pain and suffering of those to whom you have caused injury with your vehicle. Bodily injury liability will also pay for your legal defense under these circumstances.

Property damage liability - pays for the claim and legal defense when you are at fault and have caused damage to property with your auto.

Liability insurance is usually what is quoted in your mandatory auto insurance coverage by state tables. It is usually written like this: 20/40/15 and here is what that means

20 - $20,000 of protection for any one person you are at fault for injuring.

40 - $40,000 of protection for the total number of people you have injured. So if you injure 3 people and together they have more than $40,000 worth of injuries your policy will not cover the amount over the $40,000 limit.

15 - $15,000 for all the property damage you have caused.

This is a special form of accident insurance that provides coverage for medical expenses and funeral expenses for you and your passengers injured in an accident regardless of who is at fault. The standard limit for most policies is $1,000 per person.

The medical payment provision is help pay reasonable expenses for necessary medical and funeral expenses because of bodily injury caused by accident and sustained by a covered person. The medical payments coverage applies to you and your family members who suffer bodily injury while occupying any of the vehicles covered by the policy.

The medical payment coverage also covers other passengers who are riding in your car at the time of the accident.

Additionally, the medical payment provision covers you and your family members if you are struck by a car while you are a pedestrian (on foot).

If you want more than $1,000 worth of coverage you can get it for only a small increase in the premium.

Collision Coverage This insurance coverage pays for damages to your vehicle if your vehicle is involved in a collision with another vehicle or any other object or in a rollover, regardless of who is responsible.

Comprehensive Physical Damage - This insurance coverage pays for losses if your vehicle suffers damages from theft, fire, hail, wind, flood,vandalism, falling objects, explosion, water, malicious mischief, vandalism, contact with bird or animal, civil commotion, riot or various other causes (excluding collision or upset).

Uninsured or Underinsured Motorist - Insurance coverage that pays for any resulting costs if an uninsured, underinsured, or hit-and-run driver causes property damage or injuries to you or family members and other passengers in your vehicle.

Again you will numbers quoted like "15/30" which means $15,000 per person and $30,000 per accident.

No-fault insurance means that it does matter who caused the accident that resulted in bodily injury. The insured party suffering the loss would seek recover for medical expenses, loss if income, and other expenses from his or her own insurer, and there would be no claim for general damages or suffering.

Modified no-fault - A certain amount of the expense will be reimbursed by your own policy regardless of fault. Beyond that limit amount, fault would be determined and you would seek recovery from the party at fault.

Expanded first-party coverage - this type of no-fault insurance allows the individual to make claims against his own insurance company to expedite claims for injuries. What may happen though is the insurance company may sue the negligent driver's insurance company to recover the amount paid to its insured who was not at fault.