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Various Types of Car Insurance Coverage Explained

So many of our clients come to us believing that they have “full coverage” on their car insurance only to discover that they do not and are not adequately covered when injured in a car wreck. Most insurance sales agents refer to “full coverage” as being the full car insurance coverage required by law. The law requires “Liability coverage” which protects other people should you be at fault in causing a car wreck. However, many other types of car insurance are available that protect you, the paying policy owner. Here is a short explanation of the various types of car insurance coverage. We highly recommend that you also purchase these coverages that protect you. It’s your insurance. It should protect you not just other people. Specifically, we highly recommend that you obtain Medical Payments Coverage and Uninsured /Underinsured Motorist Coverage.

Brief descriptions of various car insurance coverages are listed below:

Liability Coverage

This coverage pays for the expenses related to an injury, death, or property damage of others when you are the cause of the collision. This is required by law and is often referred to by sales agents as “full coverage”.

Medical Payments Coverage – “Med-Pay”

This covers medical expenses for injuries sustained by the vehicle at the fault of another person. This includes your medical expenses and any person that was a passenger in the car at the time of the collision. This also includes events where you are a pedestrian or cyclist if struck by another vehicle. *highly recommend by our law firm*

Uninsured & Underinsured Motorist Coverage

This covers your damages, economic and non-economic losses when the other driver is at fault and did not have car insurance or did not have enough car insurance to fairly compensate you for your losses. *highly recommended by our law firm*

Collision Coverage

This covers expenses related to the property damage to or the total loss of your vehicle from an accident that you caused.

Comprehensive Coverage

This covers expenses related to the damage to your vehicle caused by vandalism, theft, hail, fallen trees, and the like.

Roadside Coverage

This covers the cost of common roadside services like tire changes and jump-starts.

Rental Reimbursement Coverage

Covers the cost of renting a car or other transportation expenses while your vehicle's in the shop.

Discuss Your Legal Options with an Experienced Personal Injury Attorney

Contact The Mark Casto Law Firm, PC if you require personal injury representation. Our trial attorney, Mark A. Casto, has civil litigation experience in cases involving motor vehicle collisions, medical malpractice incidents, nursing home abuse claims, and more. If you’re ready to take legal action, contact a lawyer with the skills, experience, and resources to help you secure a favorable case outcome.

Contact The Mark Casto Law Firm, PC at (706) 940-4002 to arrange a free, confidential, and no-obligation case evaluation.

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