Six Types of Auto Insurance in Greensburg, PA
The National Highway Safety Traffic Administration reports that most drivers engage in activities that inhibit their ability to focus on the road and on their driving. You need Auto Insurance in Greensburg, PA to protect you against financial loss if you have an accident. Auto insurance is an agreement between you and the insurance company in which you agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Pennsylvania ranked #18 in the United States as most expensive for auto insurance. Auto insurance policies have six different types of coverage options. The coverage options are bodily injury liability, personal injury protection, property damage liability, collision, comprehensive, and uninsured motorist.
Bodily injury liability covers all injuries to others involved in an accident. About 26 percent of drivers have been involved in a car crash in the last five years. Almost 100 people day every day in the United States as a result of auto accidents. Personal injury protection coverage covers injuries suffered by you and your passengers. Lost job wages and funeral costs may be included in this category. Check with your insurer to see if they will pay for these under your personal injury protection coverage. Property damage liability covers damage to other people’s property that occurs as a result of an automobile accident. Collision insurance covers damage to your car from hitting another car or another type of object, or as a result of your vehicle rolling over. Damages caused from potholes on the road are also covered in collision coverage. Comprehensive auto insurance covers damage from hailstones, earthquakes, vandalism, theft, or just about anything you want other than what’s normally covered under your collision policy.
Underinsured motorist coverage covers you if the other driver involved in the accident doesn’t have auto insurance, or doesn’t have enough to cover your expenses pertaining to the accident. Most states require you to buy some of these coverage options. If you’re financing a car, your lender may also have requirements. In 2012, less than 1 percent of people with liability insurance had a bodily injury liability claim, while 3.5 percent of those with liability insurance had a property damage liability claim. Most auto policies are for six months to a year. The company providing you Auto Insurance in Greensburg, PA should notify you by mail when it’s time to renew the policy and to pay your premium.
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