Car Insurance Personal Injury Protection

Car insurance personal injury protection policies cover expenses incurred as a result of an accident. Unlike a bodily injury policy, personal injury protection pays for your medical bills, regardless of who was at fault. It can also pay for reasonable medical expenses and procedures you or another person may need. This type of insurance coverage costs based on where you live and what your deductible is.

Bodily injury liability insurance

Bodily injury liability insurance is a type of coverage that pays out if you cause an accident that results in a third party getting hurt. The bodily injury liability insurance pays out for any serious injuries or property damage caused by your accident. The insurance company has a legal duty to defend you against third party claims.

Bodily injury liability insurance pays for medical bills, pain and suffering, and attorney's fees. It can also pay for funeral expenses and compensation for income lost. This coverage does not cover the medical expenses of the passengers or drivers.

Collision coverage

Collision coverage on a car insurance policy pays if you cause an accident and cause bodily injury or property damage to another party. Normally, this coverage will pay the actual cash value of the other person's vehicle minus any depreciation. This limit is lower than your deductible, and may not allow for you to replace the vehicle of another person with a newer model.

If you are at fault in a car accident, your car insurance policy should pay for repairs. This is because collision coverage is mandatory. You must have collision coverage or you will be responsible for the costs. But if the other driver is underinsured, their insurance company won't pay for them.

Roadside assistance

Roadside assistance can be a great way for you to get help in the event of an accident or unexpected breakdown. You will need your insurance policy number to get help. This number can be found on your insurance ID cards. If your vehicle is not driveable, the roadside assistance team will come to pick it and tow it for free. It is important to note that towing is not available for accidents or mechanical issues.

Roadside assistance is available 24 hours a day and costs $100 per incident. Additional limits can be purchased from your Shelter agent. These plans are designed to make your life easier. They can help you with simple repairs, lockouts, and more. They can even help you to get your vehicle out from the ditch!

Gap insurance

Gap insurance for your car insurance can save you from having to pay for damages yourself if you are involved in an accident. Essentially, this type of insurance covers the difference between the actual cash value of your car and the amount you owe on it. This insurance can save you thousands.

Gap insurance can be purchased through your dealer, your insurance company or your leasing company. It may even be included in your lease agreement in some cases. Gap insurance should not be purchased if you have a low downpayment. This will reduce your equity in your car.