What Are Your Coverage Options When Choosing An Auto Policy?

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What Are Your Coverage Options When Choosing An
Auto Policy?
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• Insurance coverage for automobiles is typically
  split into 3 main components, and these are
  liability coverage, comprehensive coverage and
  collision coverage. To get the right insurance
  policy for you and your automobile, you need to
  understand each of these fully, and here they are
  in a little more detail, along with additional
  coverage options that can be added to most
  standard policies
• Liability coverage
• If you cause damage to someone else or their
  property while behind the wheel, then this policy
  will protect you financially. Its generally
  split in to separate provisions, such as property
  damage liability and personal liability.

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• Simply put, liability coverage means that your
  insurance company will pay to replace any damaged
  property, pay to make repairs to someones car or
  replace it if youve damaged it, or pay medical
  costs or loss of earnings to the victim of an
  accident that you caused.
• This coverage also protects you if someone else
  decides to sue you and will cover the cost of
  legal bills or lawsuit settlements up to the
  limits of your coverage.

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• Comprehensive coverage
• If your vehicle has been damaged by vandalism,
  fire, flood, a natural disaster or by anything
  that wasnt incurred as the result of an
  accident, then this type of coverage will pay the
  repair costs. If your car is stolen, then this
  coverage will pay to replace it.
• Collision coverage
• If youve caused an accident or had a collision
  while in your vehicle, then collision coverage
  will pay to replace it. If you dont have
  collision coverage as part of your policy, then
  your liability coverage will only pay for the
  victims of the accident damages and will not help
  with the cost of replacing your vehicle.

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• This type of coverage can of course send the cost
  of your policy skyward, so it should only be
  purchased if you know that your car is worth
  enough to you to make paying the added premiums
  worthwhile.
• Uninsured/underinsured motorist coverage
• If youre injured or your vehicle is damaged by
  someone who doesnt have enough insurance to
  cover the associated costs, then this policy will
  protect you. It can also offer you financial
  protection should you be unfortunate enough to be
  the victim of a hit-and-run incident.

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• Personal injury protection
• If youre involved in an accident in your
  automobile, then this provision will cover the
  cost of any ensuing medical bills that you,
  passengers or others in your family incurred as a
  result. If you already have medical insurance,
  then you may not need to add this provision to
  your policy.
• Most insurance providers also give other
  provisions that may be added to standard
  policies, such as if you want rental car
  coverage, roadside assistance or towing coverage.
  To help you understand and evaluate which type of
  coverage you need, speak to an insurance
  professional about the various options available
  to you.

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• We Insure Miami was founded on the principle that
  every individual and business, big and small, has
  assets and valuables that need to be protected
  and insured against forces outside of our
  control. We offer Homeowners, business and auto
  insurance in miami. Our agents understand that
  you work hard every day to protect your car,
  home, business and family. WE are passionate
  about Insurance and passionate about serving you.
  If you are looking for homeowners or business or
  car insurance in miami, contact us for a quote or
  a complimentary review of your insurance policies.