The process of choosing the right car insurance can become tiresome and frustrating to some. Many times the frustration is due to individuals not knowing what the different types of coverage are. Understanding the different types of coverage can help you to choose a good auto insurance lehi utah for your needs.
Liability coverage protects you in the event that you have been in an accident that has been deemed to be your fault. Liability insurance takes care of the costs that are associated with the repair of any property damaged during the collision as well as medical bills that were accumulated due to the accident. Though each state has a minimum requirement associated with liability insurance it is recommended that drivers purchase coverage above the required state amounts. In the event that you purchase extra coverage you will be provided with extra protection just in case you are at fault in an accident that has caused much property damage or injuries. If your liability coverage does not cover all of the damages or injuries that have resulted from an accident, then you will be required to pay the remaining costs out of your own pocket.
Uninsured /Underinsured Motorist Protection
While a driver may have liability protection, numerous states have moderately low requirements that may not be sufficient to cover the majority of the costs of an accident. Thus, on the off chance that somebody is lawfully selected as being the cause of a car accident, you may not receive an ample amount of compensation to cover your medical bill or repair costs if the responsible party does not have enough coverage. In a situation such as this the Uninsured and Underinsured Motorist Protection would help with costs instead of you having to pay out of your pockets.
This type of coverage protects your pockets in the event that your vehicle was damaged during an accident that you have been found at fault. Collision coverage will pay to have the damages of your car repaired. In the event that damages, cost more than the value of your car, then your car will be totaled and you will receive the value of the car. Collision coverage is mandatory to have if you have a lienholder.
Car accidents are not the only occurrence that can damage a car. Your car can be damaged by the weather or even stolen. In situations such as this, comprehensive coverage can compensate you. Adding this coverage may be expensive, but to some it is necessary.
Personal Injury Protection
This type of coverage is not available in all states. In the states that this coverage is available, it can compensate you and your passengers in the event that you are the victim of a hit and run or if you were in an accident that was ruled to be your fault. This type of coverage will pay for the medical bills that were the accumulated due to a hit and run accident or an accident that was your fault.