It is good to have an auto insurance policy to protect yourself financially in case your covered automobile is involved in a car crash. Most auto insurance policies have six types of coverages. These coverage options are usually priced differently. Here is what you need to know about auto insurance coverage options in Pismo Beach, CA.
Bodily injury liability
The coverage option will pay for any sustained injuries that you cause as the auto insurance policyholder. You and close relatives are also covered in case you are involved in an accident while driving someone else’s vehicle with their permission.
Personal Injury Protection (PIP)
The coverage option applies when paying for the treatments to the driver and passengers of your vehicle. In some situations, PIP can also cover lost wages, medical payments, and funeral costs.
Property damage liability
The coverage option pays for damage that you will cause to other people’s property. Hence, it covers damage to the other car, or someone else’s fence, building, and lamp posts among other structures.
The coverage option will pay for damage caused to your car after a collision. Meaning, if you damage your car in a pothole or hit another car or other objects such as telephone poles and trees, the coverage will protect you. Remember, damage caused to your car resulting from collisions with deer is covered under comprehensive. In most cases, the coverage is purchased with a separate deductible. Neff & Associates Insurance Services Inc may reimburse you for costs of repair to your damaged car, minus the deductible regardless of whether you are at fault or not.
The coverage option covers your losses when your car is stolen or damaged by something else that is not covered under collision. It covers things such as falling objects, hail, flood, explosions, theft and vandalism.
Uninsured and underinsured motorist coverage
The coverage option reimburses you or a family member if hit by uninsured or an underinsured driver. The coverage may also come in hand if you are involved in a hit-and-run accident.
Are you shopping for the right auto insurance coverage? Contact us Neff & Associates Insurance Services Inc for more information.