Auto Insurance - Typical Protection

The following details seven major policy covers and how to protect yourself:

1.Bodily injury liability provides protection if you injure or kill someone while driving your car. It also provides a legal defense if another party in the accident files a lawsuit against him. In case of serious accident, you want to maintain adequate insurance to cover a trial in a lawsuit against you, without risking some of your personal assets. Bodily injury liability covers damage to people, not your vehicle. It's a good idea to have the same level of cover for each and everyone of your cars.

2.Medical payments, or personal protection cover, through no fault, usually pays for injuries and medical expenses of the injured driver and passengers in your car. It may also be applicable cover if you are injured by a vehicle as a pedestrian.

3.Uninsured motorists cover pays for your injuries caused by an uninsured driver or, in some states, a driver hit-and-run. In some states, there is also uninsured motorist cover for damage to your vehicle. Given the large number of uninsured motorists, this is very important to have coverage, even in states where there is no-fault insurance. This cover typically protects you for physical damage

4.Comprehensive losses resulting from incidents other than collision. For example, comprehensive insurance covers damage to your car if it is stolen or damaged by flood, fire or animals. To keep your premiums low, select as high a deductible as you feel comfortable forking out.

5.Collision premiums cover damage to the car when the car hits, or hits another vehicle or other object. Keep insurance premiums low, then you can take advantage of reduction of pay for a loss. For older cars, to leave the premium as it is because the cover is usually only the monetary value of the car.

6.Property liability protection if your car damages someone else's property. It also provides you with legal expenses insurance, if another party files a lawsuit against you. It's a good idea to purchase enough insurance to cover this amount of damage the vehicle can make against another vehicle or object.

7.Rental pay compensation to cover the rental car (usually not more than $ 25 a day) when the car is not driveable as a result of loss will be covered by comprehensive or collision cover.

I think this should cover the major policies you want to arrange when getting new or updating an existing policy. At the end of the day, it's a small price to pay now as opposed to if/when something does go wrong, you'll have that piece of mind you are covered.

Remember, always phone around or go on-line to get your auto insurance quotes.