The world of auto insurance can seem like a confusing one. There are many different options and types of insurance to investigate. For the uninitiated, this can seem a bit overwhelming at first. Laws and minimum insurance requirements vary from state to state, but they’re all pretty similar. No matter if you live in Laurel Canyon, CA or Laurel, MD; all of these types of insurance are offered everywhere.
Collision insurance is usually the first thing offered in an insurance policy. There are a few different kinds of collision insurance available. Bodily Injury To Others (BITO) covers what that implies, with different limits or caps on what the insurance provider pays out. Personal liability (PL) is damage to someone else’s property (eg: crashing into someone’s house or mailbox) with similar limits on coverage put in.
Personal Injury Protection (PIP) covers yourself and your own medical bills due to injury in an accident. The last facet of collision insurance is Bodily Injury caused by an uninsured car. This covers you in case you end up in an accident with an uninsured motorist. It’s illegal to drive on the road without insurance, but there are motorists who still do this out there and it’s always smart to be covered in this case.
The next word that usually sits by "Collision" in the insurance policy is "Comprehensive". Comprehensive insurance covers your car for everything else that your collision insurance doesn’t cover. For instance, a heavy thunderstorm strikes your area and it produces baseball-sized hail. That hail damage (dents, scratches) to your paintwork and bodywork of your car would be covered under your comprehensive insurance.
You can find out all about these options and more at Mid Atlantic Insurance Financial located in Laurel, MD.