You Are Obligated By Law To Get Covered By Car Or Motor Insurance

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Six Types of Car Insurance Coverage

Car insurance is meant to protect financially you if you're involved in an accident. Learn about six types of car insurance coverage and what they do.

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An automobile insurance policy can protect you against financial losses if you're involved in an accident. Auto policies consist of several types of coverage, often six in total. Depending on the state where you live, some of these coverages may be mandatory, while others will be optional.

Bodily injury liability insurance is designed to pay medical expenses for someone else if you injure them in an accident where you're deemed to be at fault. This coverage can apply to you and to anyone else listed as a driver on your policy.

If you or a passenger in your vehicle are hurt in an accident, medical payments or personal injury protection coverage can help pay any resulting medical bills. This type of coverage can also cover lost wages if you or an injured passenger are unable to work or funeral expenses if someone in your vehicle dies because of an accident.

While property damage liability insurance pays for damage to someone else's vehicle or property following an accident, collision coverage pays for damage to your own vehicle or property. That can include damages caused by a collision with another vehicle or hitting a stationary object, such as a tree or fence.

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Auto Insurance Requirements - California DMV

Learn about vehicle insurance requirements, including types of insurance, minimum liability coverages, and financial responsibility.

Insurance companies in California are required by law (California Vehicle Code [CVC] §16058) to electronically report private-use vehicle insurance information to DMV. Insurance companies are exempt from electronically reporting insurance information for vehicles covered by commercial or business insurance policies.

If DMV does not receive proof of insurance for a vehicle, we will suspend the vehicle’s registration and the vehicle may not be operated or parked on public roadways until proof of insurance is submitted.

After filing the ANU, the vehicle’s insurance may be cancelled. However, if the vehicle is still not in use when registration renewal fees are due, you must pay renewal fees or request the vehicle be placed on planned nonoperation (PNO) status. You are not eligible to file an ANU once the registration expires.

The DMV chatbot and live chat services use third-party vendors to provide machine translation. Machine translation is provided for purposes of information and convenience only. The DMV is unable to guarantee the accuracy of any translation provided by the third-party vendors and is therefore not liable for any inaccurate information or changes in the formatting of the content resulting from the use of the translation service.

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Vehicle insurance in the United States - Wikipedia

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Vehicle insurance in the United States (also known as car insurance or auto insurance) is designed to cover the risk of financial liability or the loss of a motor vehicle that the owner may face if their vehicle is involved in a collision that results in property or physical damage. Most states require a motor vehicle owner to carry some minimum level of liability insurance. States that do not require the vehicle owner to carry car insurance include Virginia, where an uninsured motor vehicle fee may be paid to the state, New Hampshire, and Mississippi, which offers vehicle owners the option to post cash bonds (see below). The privileges and immunities clause of Article IV of the U.S. Constitution protects the rights of citizens in each respective state when traveling to another. A motor vehicle owner typically pays insurers a monthly fee, often called an insurance premium. The insurance premium a motor vehicle owner pays is usually determined by a variety of factors including the type of covered vehicle, marital status, credit score, whether the driver rents or owns a home, the age and gender of any covered drivers, their driving history, and the location where the vehicle is primarily driven and stored. Most insurance companies will increase insurance premium rates based on these factors, and less frequently, offer discounts.

Insurance companies provide a motor vehicle owner with an insurance card for the particular coverage term, which is to be kept in the vehicle in the event of a traffic collision as proof of insurance. Recently, states have started passing laws that allow electronic versions of proof of insurance to be accepted by the authorities.

Consumers may be protected by different levels of coverage depending on which insurance policy they purchase. Coverage is sometimes seen as 20/40/15 or 100/300/100. The first two numbers seen are for medical coverage. In the 100/300 example, the policy will pay $100,000 per person up to $300,000 total for all people. The last number covers property damage. This property damage can cover the other person's vehicle or anything that you hit and damage as a result of the accident. In some states you must purchase Personal Injury Protection which covers medical bills, time lost at work, and many other things. You can also purchase insurance if the other driver does not have insurance or is under insured. Most if not all states require drivers to carry mandatory liability insurance coverage to ensure that their drivers can cover the cost of damage to other people or property in the event of an accident. Some states, such as Wisconsin, have more flexible "proof of financial responsibility" requirements.[1]

Commercial insurance for vehicles owned or operated by businesses functions quite similar to private auto insurance, with the exception that personal use of the vehicle is not covered. Commercial insurance pricing is also usually higher than private insurance, due to the expanded types of coverage offered for commercial users.[2]

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Michigan Supreme Court to hear car insurance case

1:51 - 2 years ago

The fight over no-fault auto insurance in Michigan could lead to higher premiums for all drivers next year. It's part of the fallout ...

New York DMV | New York State Insurance Requirements

Category: Insurance Coverage

Do I need insurance? Yes. To register a vehicle in New York State you must have New York State issued automobile liability insurance coverage. If you do not maintain the coverage, the DMV can suspend your vehicle registration and your driver license. What kind of insurance do I need? New York law requires that you have auto liability insurance coverage.

Yes. To register a vehicle in New York State you must have New York State issued automobile liability insurance coverage. If you do not maintain the coverage, the DMV can suspend your vehicle registration and your driver license.

There can only be 1 or 2 names on a registration (registrants). Both the primary registrant (first name listed on the registration) and the co-registrant must sign the Vehicle Registration/Title Application (PDF) (MV-82) and provide their proofs of identity and date of birth. Both names must appear on the Insurance ID Card.

You must register your vehicle at the DMV within 180 days of the effective date on your insurance ID card. Bring one copy or form of your Insurance Identification Cards with you. The DMV office will keep the paper card. Keep the other paper card with the vehicle as your proof of insurance. Anyone operating your vehicle must be able to provide proof of insurance while they are operating the vehicle.

1. Your motorcycle must have insurance coverage any time it is operated on a public road or highway. Unlike most other motor vehicles, motorcycles are registered for one year rather than two, and all motorcycle registrations expire on April 30. Also, you can terminate your motorcycle liability insurance without surrendering the plate. This makes it easier to put the motorcycle back on the road after winter storage. However, under no circumstances may your motorcycle operate on public highways without liability coverage in effect.

2. A change on the insurance policy to a name different from the name on your registration may cause a lapse in insurance coverage, and DMV may suspend your driver license and your vehicle registration. Your vehicle's insurance and registration must always be in exactly the same name. You should always carry the paper or access to your digital electronic NY State Insurance ID Card in your vehicle.

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Insurance Requirements for Maryland Vehicles - Pages

An official website of the State of Maryland.

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Did you know Maryland is a mandatory vehicle insurance state? What does this mean for you? MDOT MVA now validates your vehicle insurance at registration renewal. Customers can update insurance with MDOT MVA anytime on myMVA eServices. Insurance agents may also update insurance information on behalf of their customers using myMVA.

4. If you have moved to Maryland and are continuing vehicle insurance coverage from your previous state of residence, you will need to contact your vehicle insurance company or agent and let them know you need to convert your policy to a Maryland policy. Note: Check to make sure your vehicle insurance company is licensed in Maryland.

The Maryland Automobile Insurance Fund (MAIF) provides automobile insurance to Maryland residents that have been turned down by two insurance companies or cancelled by one. To get more information on how to insure your vehicle, click here to visit MAIF's website.

The Maryland General A-sembly’s Office of Legislative Audits operates a toll-free fraud hotline to receive allegations of fraud and/or abuse of State government resources. Information reported to the hotline in the past has helped to eliminate certain fraudulent activities and protect State resources.

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Official NCDMV: Vehicle Insurance Requirements

NCDOT

All vehicles with a valid North Carolina registration are required by state law (G.S. 20-309) to have continuous liability insurance provided by a company licensed to do business in North Carolina.

Out-of-state policies are not accepted. Liability insurance protects drivers and their families against injuries and property damage caused by the negligence of other drivers who might have limited, minimum or no liability insurance.To avoid fines and fees, an individual should not cancel their insurance until they have surrendered their license plate to the N.C. Division of Motor Vehicles.

North Carolina law (G.S. 20-279.21) also requires insurance coverage for uninsured/underinsured motorists, as well as minimum bodily injury and property damage limits. This is required for all policies, even if they exceed the minimum requirements.

North Carolina's liability insurance law is strictly enforced, and insurance companies are required to notify the N.C. Division of Motor Vehicles if liability insurance on a vehicle is canceled or coverage lapses for any reason.NCDMV will send a liability insurance termination notification to the vehicle's registered owner, who has 10 days from the date printed on the notice to respond. Failure to respond may result in the revocation of the vehicle's license plate as well as civil penalties, late fees, interest and collections.

*Civil penalties a-sessed for a lapse in liability insurance are based on the number of prior lapses a registered owner has had on their vehicle within three years of the current lapse.

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Automobile insurance guide

Automobile insurance protects you financially by paying the other driver’s car repair and medical bills if you cause an accident. Depending on the kind of coverage you have, it can also pay to repair or replace your car if it’s damaged or stolen.

Texas law requires drivers to show proof they can pay for the accidents they cause. Most drivers do this by buying auto liability insurance. Liability insurance pays to repair or replace the other driver’s car, or other damaged property, and pays other people’s medical expenses when you’re at fault in an accident.

Liability coverage pays to repair the other driver’s car if you caused the accident. It also pays the other driver’s and his or her passenger’s medical bills and some other expenses. Texas law requires you to have at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage. This is called 30/60/25 coverage.

Think about buying more liability coverage. The minimum liability limits might be too low if you cause a multi-vehicle accident or the other driver’s car is totaled. If you don’t have enough liability coverage to pay for the damages and injuries you cause, you might have to pay the rest out of your own pocket. The other driver could sue you.

Personal injury protection (PIP) coverage is similar to medical payments coverage. It pays your and your passengers’ medical bills. But it also pays for things like lost wages and other nonmedical costs. All auto policies in Texas include PIP coverage. If you don’t want it, you must tell the company in writing.

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Insurance Requirements for Vehicle Registration - California DMV

Financial responsibility (commonly known as insurance) is required on all vehicles operated or parked on California roadways.

Insurance companies in California are required by law (California Vehicle Code [CVC] §16058) to electronically report private-use vehicle insurance information to the Department of Motor Vehicles (DMV). Insurance companies are exempt from electronically reporting insurance information for vehicles covered by commercial or business insurance policies.

Yes. To prevent a vehicle registration suspension, you must notify DMV before you cancel your insurance. If you are not operating your currently registered vehicle, and it is not parked on a California roadway, you may submit an Affidavit of Non-Use (ANU) (REG 5090) form to DMV online at dmv.ca.gov, by calling the automated voice system at 1-800-777-0133, or by mail to one of the addresses at the end of this brochure.

You may remove the ANU during the same registration year online at dmv.ca.gov, by calling 1-800-777-0133, or by mailing evidence of insurance to the DMV-VIP Unit at the address at the end of this brochure.After filing the ANU, the vehicle’s insurance may be cancelled. However, if the vehicle is still not in use when registration renewal fees are due, you must pay renewal fees or request the vehicle be placed on planned nonoperation (PNO) status. You are not eligible to file an ANU once the registration expires. You can obtain additional PNO information at dmv.ca.gov.

If you have received a letter from DMV stating your vehicle registration will be suspended in the near future or has already been suspended, submit your insurance information and/or reinstatement fee:

Online at dmv.ca.gov (with or without a notification letter). The Vehicle Registration Suspensions and Insurance Program pages provide up-to-date vehicle registration insurance suspension status and options to submit a reinstatement fee payment electronically, submit insurance information, submit/remove an Affidavit of Non-Use (ANU), and frequently asked questions (FAQ).

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Florida Insurance Requirements - Florida Department of Highway Safety and Motor Vehicles

Language | Idioma English Español General Information Before you register a vehicle with at least four wheels in Florida, you must show proof of Personal Injury Protection (PIP) and Property Damage Liability (PDL) automobile insurance. PIP covers 80 percent of all necessary and reasonable medical expenses up to $10,000 resulting from a covered injury, no […]

Before you register a vehicle with at least four wheels in Florida, you must show proof of Personal Injury Protection (PIP) and Property Damage Liability (PDL) automobile insurance. PIP covers 80 percent of all necessary and reasonable medical expenses up to $10,000 resulting from a covered injury, no matter who caused the crash. PDL coverage pays for damage to another person’s property caused by you or someone else driving your insured vehicle.

have a minimum of $10,000 in PIP AND a minimum of $10,000 in PDL. Vehicles registered as taxis must carry bodily injury liability (BIL) coverage of $125,000 per person, $250,000 per occurrence and $50,000 for (PDL) coverage.

purchase the policy from an insurance carrier licensed to do business in Florida. (If you are new to the state, you may ask your agent to transfer your current insurance to a Florida policy.)

You must obtain the registration certificate and license plate within 10 days after beginning employment or enrollment. You must also have a Florida certificate of title for your vehicle unless an out-of-state lien holder/lessor holds the title and will not release it to Florida.

Do not cancel your Florida insurance until you have registered your vehicle(s) in the other state or have surrendered all valid plates/registrations to a Florida driver license office and motor vehicle service center or Tax Collector’s office. If you are keeping the insurance carrier, they can change your coverage to your current state of residence when you make the registration change.

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Frequently Asked Questions – Automobile Insurance

available to pay for your losses that were caused by someone else. The minimum amount of coverage required by law is $25,000 per person and $50,000 per accident for bodily injury only. …

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Auto Insuance

Category: Insurance Coverage

Auto insurance is one of the most used types of personal insurance. Most states require that you purchase some kind of insurance coverage to drive legally in the state. Auto insurance can be divided into two basic coverage areas: liability and property damage.

Two factors determine what you pay for auto insurance. The first factor is underwriting, where insurance companies a-sess the risk a-sociated with an applicant. The second factor is rating; the rating a-signs a price based on what the insurer believes it will cost to a-sume the financial responsibility for the applicant’s potential claim.

Bodily injury liability insurance protects you against the claims of other people who are injured in an accident for which you were at fault. Their claims for bodily injury may include medical expenses, lost wages, and pain and suffering.

Property damage liability insurance pays for any damage you cause to the property of others. This includes not only damages to other vehicles, but also other property such as walls, fences and equipment. Uninsured motorists coverage protects the policy holder directly. This coverage pays if you are injured by a hit-and-run driver or a driver who does not have auto insurance.

Collision coverage pays for physical damage to your car as the result of your auto colliding with an object, such as a tree or another car. This coverage is optional and not required by law. However, collision insurance may be required by your lending institution or lessor. In the case of an accident involving an older car, the cost of repairing the car can quickly exceed the worth of the car. In this case, insurers will “total” the car and pay you what the car was worth rather than fixing it.

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Minimum Auto Insurance Requirements | Department of Financial Services

No-Fault (Personal Injury Protection) - to pay medical expenses, lost earnings, and other reasonable and necessary expenses, for example household help and transportation to medical providers, for a driver or passenger injured in, or a pedestrian injured by, your car;

No-Fault, also called Personal Injury Protection (PIP), is designed to pay promptly, regardless of who is at fault or whether there was any negligence, for economic losses (meaning medical/health expenses, lost earnings, and certain other reasonable and necessary expenses related to injuries sustained), up to $50,000 per person ("basic No-Fault coverage"), to the driver and all passengers injured in your car as well as any pedestrians injured by your car, because of its use or operation in New York State.

The purpose of No-Fault insurance is to restore individuals hurt in auto accidents to health and productivity as swiftly as possible. Because of New York's No-Fault law, lawsuits due to auto accidents can be brought only for economic losses that exceed No-Fault benefits and for non-economic damages (such as pain and suffering) only if a "serious injury" (as defined in the Insurance Law) is sustained.

No-Fault is a personal injury coverage and does not pay for auto body repair of your car or damage to any other party’s motor vehicle or other personal property. No-Fault is also primary to health insurance, which means it pays first in the event injury is due to an auto accident.

Under this coverage, your insurer provides you and all relatives who reside in your household with protection against economic losses arising from injuries sustained in motor vehicle accidents anywhere within the United States, its territories and possessions, or Canada. It also provides coverage for any passengers injured in accidents in New York State while in your vehicle, as well as any guest passengers who are New York State residents injured in your vehicle anywhere in the United States, its territories and possessions, or Canada, if they are not covered under another auto insurance policy in New York State.

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Car Insurance: Should You Get Legal Liability to Passengers Coverage? | Bjak Malaysia

Legal liability to passengers protects you or an authorised driver from liability for a passenger's death or injury due to negligent driving.

Imagine giving a ride to your colleague from the workplace to her home one evening. As luck would have it, you accidentally hit a car on the way to sending her home. As a result of the strong collision, your friend sustains a severe head injury. Even if the incident is unintentional, your friend could take legal action against you because of your driving negligence.

Before we go any further, you need to know that legal liability to passengers coverage is not included in a basic car insurance policy. This is true regardless of whether you take comprehensive insurance, third party, fire and theft insurance or third party insurance. You will need to obtain this additional coverage separately with an additional premium payment.

Legal liability to passengers coverage refers to limited coverage to you or the authorised driver from any legal liability for death or bodily injury of a passenger due to your or authorised driver’s negligence.

If you have this additional coverage, your insurance will cover the loss of your or the authorised driver’s liability against any passengers carried in your car while boarding, entering or disembarking from it.

Example: Your friend who suffers a serious head injury due to your driving negligence decides to take legal action against you. You are guilty and therefore have to pay the losses to the passenger. If you have legal liability to passengers coverage, your insurance will cover the losses incurred due to this liability. Without this additional coverage, you will have to pay for the losses out of your own pocket.

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Massachusetts law about auto insurance | Mass.gov

A compilation of laws, regulations, cases, and web sources on motor vehicle insurance law.

211 CMR 74 Standards of fault to be used by the Board of Appeal on Motor Vehicle Liability Policies and Bonds and insurers in presuming fault when making at fault determinations Lists motor vehicle accident "situations in which fault is presumed to be more than 50%."

Commerce Ins. Co., Inc. v. Gentile, 472 Mass. 1012 (2015) When grandparents explicitly listed their grandson as an excluded driver, and then allowed him to drive, or did not prevent him from driving, their car, the insurance company did not have to pay the optional coverage for bodily injury.

Commerce Ins. Co., Inc. v. Szafarowicz, 483 Mass. 247 (2019) An insurer, who had defended under a reservation of rights and contested the judgment, was only bound by a settlement/assignment agreement reached in the underlying case if the agreement was found to be reasonable under the totality of the circumstances.

Golchin v. Liberty Mutual Ins. Co., 466 Mass. 156 (2013) The insured was "entitled to the MedPay benefits provided by her auto policy, [even though] the medical expenses at issue were covered by and paid under a separate policy of health insurance."

IDS Property Casualty Insurance Co. v. Government Employees Insurance Co., Inc. (GEICO). 985 F3d 41, US Court of Appeals, January 13, 2021, No. 20-1407. “An insurance company could rescind an auto policy because the policyholders did not comply with their duty to inform the insurer about the vehicle’s principal place of garaging and its customary drivers before the insurer automatically renewed their policy.”

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Vehicle insurance - Wikipedia

Category: Insurance Coverage

This article needs additional citations for verification. Please help improve this article by adding citations to reliable sources. Unsourced material may be challenged and removed.Find sources: "Vehicle insurance" – news · newspapers · books · scholar · JSTOR (July 2014) (Learn how and when to remove this template message)

Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.

Widespread use of the motor car began after the First World War in urban areas. Cars were relatively fast and dangerous by that stage, yet there was still no compulsory form of car insurance anywhere in the world. This meant that injured victims would rarely get any compensation in an accident, and drivers often faced considerable costs for damage to their car and property

A compulsory car insurance scheme was first introduced in the United Kingdom with the Road Traffic Act 1930. This ensured that all vehicle owners and drivers had to be insured for their liability for injury or death to third parties whilst their vehicle was being used on a public road.[1] Germany enacted similar legislation in 1939 called the "Act on the Implementation of Compulsory Insurance for Motor Vehicle Owners."[2]

In many jurisdictions, it is compulsory to have vehicle insurance before using or keeping a motor vehicle on public roads. Most jurisdictions relate insurance to both the car and the driver; however, the degree of each varies greatly.

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Motor insurance | What insurance do I need? | | ABI

Category: Motor Insurance

You must have motor insurance to drive a vehicle on UK roads. If you own a vehicle you are legally obliged to have motor insurance. Even if you do not use your vehicle you are still required to insure it, unless you officially register your vehicle as off the road. You can find information on how to do this here.

Even if you do not use your vehicle you are still required to insure it, unless you officially register your vehicle as off the road. You can find information on how to do this here.

Guaranteed a-set protection (GAP) policies can be bought in addition to, but are not a substitute for, your motor insurance policy. GAP insurance protects against your vehicle decreasing in value over time, and may help ensure you are able to obtain a new vehicle if yours is written off or stolen.

Third party this is the minimum cover required by law in the UK. It covers you against costs that arise as a result of injuries you cause to other people and damage to their vehicles

If you are unsure what level of cover you need for how you use your vehicle, you are advised to contact your insurer or broker directly and check. Not having the right level of cover may potentially invalidate your policy.

New research carried out by the Pension Attention campaign, has highlighted that 48% of adults didn't check on their retirement savings at all in the last 12 months and those who did, only spend around half an hour a year paying their pension some attention.

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gov.ie - Motor Insurance

Category: Motor Insurance

Motor insurance in Ireland - what is needed and how to make a claim in Ireland or abroad

The Department of Transport has responsibility for the legislative requirement regarding compulsory motor third party insurance in Ireland. It has no role in the regulation of insurers, or in the pricing or provision of motor insurance which are consumer matters.

Motor third-party liability insurance is the minimum level of compulsory insurance in Ireland and throughout the European Union for all vehicles. Fire, Theft and Comprehensive cover are additional benefits which motor insurance companies offer for an increased premium.

It is important to note that under compulsory motor insurance, the driver of the vehicle which caused the accident is never covered. It also needs to be understood that comprehensive insurance normally only covers the vehicle and not the driver.

All third party liability motor insurance policies are valid throughout the European Union for the full term of their cover. Additional benefits such as Fire, Theft and Comprehensive cover need to be negotiated with the motor insurance provider.

Motor Insurance is provided for by insurance companies providing motor insurance either directly or through an insurance broker. The regulation of motor insurance is the responsibility of the Irish Central Bank.

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Auto Insurance | Kansas Insurance Department

When you buy an auto insurance policy, you are actually buying several individual coverages. Each coverage protects you against different types of losses. A brief description of the six basic coverages is provided here.

Bodily Injury Liability* pays for the other person’s medical expenses, rehabilitation, funeral costs, and other covered costs if you or your family are at fault in an auto accident. It also pays for settlement of lawsuits and your legal expenses.

Property Damage Liability* pays when you or your family members damage other property in an accident. It pays for repair, replacement, or the cash value of the other owner’s property. It also pays for your legal expenses.

Personal Injury Protection (PIP or No-fault)* pays for medical expenses, rehabilitation, funeral expenses, lost wages, and in-home a-sistance for you and your passengers injured in an accident, regardless of who is at fault. Passengers who own their own cars collect under their policy.

Uninsured/Underinsured Motorist Protection* pays you or your passengers for medical, rehabilitation, and funeral costs. It also pays settlements of lawsuits resulting from an accident caused by an uninsured, underinsured or hit-and-run motorist. You and your family are covered as pedestrians or when riding your bike.

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5 Types of Car Insurance Coverage Explained - Policybazaar

Aug 05, 2022 · If you opt for a higher ‘sum a-sured’, you will not want to pay a large amount when the policy’s limit has exhausted. The liability coverage will include the third-party injury, death …

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Car insurance - Canada.ca

Category: Car Insurance

You must have car insurance if you own a car or other vehicle. Car insurance may protect you from: having to pay to repair your car or other vehicle if it's damaged or in an accident. liability …

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