Auto insurance made easy

(NAPSI)understanding insurance can often be like trying to learn a foreign language. Many find it confusing and intimidating.

Fortunately, there's help. Here is a quick mention designed to help you understand some of the most park kinds of coverages. The mention was put jointly by The progressive tense Group of Insurance Companies.

Liability covers bodily injury and place damage (BI/PD). This screen your legal liability, up to the dollar limits you select, for harm caused to others in a covered vehicle accident. In most states today, liability insurance is mandatary.

Under BI/PD, your insurance company pays for harm to an injured person and for place damage that you are lawfully obligated to pay as a consequence of an accident. If your policy covers you in the event you're sued after an accident, your insurance company will pay for a attorney to defend you.

Liability limits by and large appear as three figure, for illustration, 25/50/25 or 100/300/100. The first figure refers to the upper limit amount, in one thousand, that your insurance company is obligated to pay for bodily injury per individual. The sec number is the upper limit that would be paid out for bodily injury per claim and the third figure represents the upper limit amount your insurance company is obligated to pay for place damage you cause.

hit. When you buy hit coverage, your insurance company pays for harm if your vehicle collides with another vehicle or physical object. Collision insurance coverage involves a deductible amount you select when you purchase your policy. This amount is what you are required to pay earlier your insurance company starts picking up the tab. Remember, the deductible amount is the amount you need to pay in the event of a claim.

Comprehensive covers harm caused by events other than a car collision-such as fire, theft, hooliganism, hail or flood. It also covers damage caused by your vehicle colliding with an animal. And if your car is stolen, it will cover the cost of a rental, subject to a daily limit. Like collision coverage, a deductible usually applies.

Medical Coverage. Depending on the state in which you live, you may have available to you Medical Payments coverage or Personal Injury Protection (PIP) coverage. While these both work differently, they provide coverage for medical care provided to you as a result of a car accident.

An independent insurance agent can help you determine the price, coverage and service that best meets your needs. To find an agent, go to driveinsurance.com.