Types of Car Insurance (Part 1)

There are many different kinds of auto insurance coverage available. While some are essential, some are not and you can save money by only paying for the insurance coverage required by your state. Many sites offer a resource center so that you can inform yourself about auto insurance. Being aware of the various kinds of auto insurance is the first step in making sure that you and your assets are protected, but that you’re not carrying more coverage than you really need. Common types of insurance coverage include:

Bodily Injury Liability - Pays your legal defense costs and claims against you if your car injures or kills someone. This protection covers you, family members living with you and others driving with your permission.

Property Damage Liability – Pays your legal defense costs and claims against you if your car damages someone else’s property. This coverage does not cover your property, including your auto.

Medical Payments or Personal Injury Protection – Pays medical expenses for you and others riding in your car resulting from an accident. It also pays for you or your family members injured while riding in another’s car or while walking.

Source: autoinsuranceadvocate.net