Coverages Available Under Car Insurance Policy You Must Know About

It’s always good to be aware of the benefits you get by purchasing a particular product or service. This gives you an edge and keeps you prepared at every point of time. The same applies to people planning to or already having a car insurance in place. Knowing the available coverages is always a good thing. You are always aware of the damages you’ll have to pay for and the damages for which you can file a claim. This not only makes you a smart buyer, you also end saving a lot of money which could have been wasted towards covered-damage-expense (expenses which are covered by insurer) payment.

That said, if you aren’t aware of the coverages available with a basic car insurance policy, we are here to help you out.

1. Bodily-injury liability:

If your car has injured somebody else then bodily-injury liability-insurance feature will help you out. Also, if you're not the only one using your car, the names of other members using it should be included within the list so that claims can be easily approved in case any of them is at the driving-seat.

2. Property-damage liability:

As the name suggest, if you end up damaging someone’s or your own property in a car accident, you can file a claim and recover the amount spent towards reconstruction cost.

3. Personal-Injury-protection or Medical-payments:

Last but not least, if you or any other person gets injured during a car accident, the insurer will provide treatment-cost for injuries of passengers and driver. Along with that, the insurer will also pay replacement costs, lost wages and medical payments that are normally conducted by injured fellows.

Bottom line: Just make sure the insurance is availed from a credible insurer/ insurance company.

You can also read like this topic: What is Covered Under Basic Car Insurance Policy?

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