If you cause an accident, liability insurance can pay for medical expenses and lost wages. It also covers damage to other people's property. Keep in mind that it does not cover damage to your car. Most states require drivers to carry a minimum amount of liability coverage.
Personal Injury Protection
Personal Injury Protection covers medical bills for you and your passengers, regardless of who was at fault in an accident. This can also cover lost wages in some states. If you're ever hit by a driver who doesn't have insurance, it may help pay for your injuries.
In many states, you must buy medical coverage to pay for injuries sustained by other people in your car (for example, if you hit someone with your car). Many people opt for higher amounts of coverage than are required. Medical coverage protects you and those around you.
If you're concerned about protecting your car from theft or damage, it may be a good idea to invest in comprehensive coverage. Comprehensive insurance covers any damage that is not caused by a collision (including vandalism and natural disasters).
Uninsured/Underinsured Motorist Coverage
This type of coverage covers you if another driver involved in an accident either doesn't have insurance or doesn't have enough to cover your costs. Underinsured motorist coverage is a common add-on to liability insurance.
All car insurance policies provide 3 main coverage types: Liability, Collision, and Comprehensive. Additional optional coverage can also be added to your policy, such as Rental Reimbursement, Uninsured Motorist Protection, and more. The types of car insurance coverage are not just important for you and me, but they are important for everyone who owns a vehicle.
At Cornerstone Insurance Agency, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (770) 413-0807. You can also request a free quote by CLICKING HERE. Coverage discussed in this article is not guaranteed. Please contact our agents today to ensure that your needs are being met and learn more about your policy. We are happy to help!