Auto insurance protects your assets if you're in an accident. Still, insurance is a complex product that may leave you with many questions. For example, how much should you spend on car insurance? What types of coverage should you get?
Generally, comprehensive coverage comes with a deductible .. They can provide information on costs, deductibles, coverage and more. Unlike liability insurance, which covers damages to the other party, collision coverage may pay for damages to your vehicle. Whether you hit another vehicle or object, collision coverage may cover the costs to repair or replace your car after you pay your deductible.
Medical payments coverage may help pay for medical treatment of injuries you or your passengers suffer from an accident. Covered treatments may include doctor visits, surgery, x-rays, ambulance transportation, emergency medical technician and other services. Also known as PIP or no-fault insurance, personal injury protection may pay for medical expenses regardless of who is liable for an accident. It even covers you if no other parties are involved in an accident.
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