Careful Shopping for Car Insurance

Your Auto Policies

By: Ryan Reyes
Date: April. 10, 2010 @ 9:30 A.M.

Categories: Insurance Policy

Tags: Insurance, Salesmen, Attorney, Uninsured motorist, Medical Policy

Yes it is, car insurance is more important than ever. Insurance salesmen naturally try to sell their standard, fully loaded policy. It contains six basic types of coverage.

Listed are:

1. Bodily Injury
2. Property damage
3. Uninsured motorist
4. Medical payments
5. Collision
6. Comprehensive

Don't skimp on bodily injury liability and property damage liability coverage. If you or anybody driving your car with your permission is in an accident in which someone is killed or injured, bodily injury liability coverage pays you for an attorney to depend against lawsuits by victims of an accident.

It also pays other court cost and any judgments against you. Property damage liability covers property that you do not own. If you have substantial assets that could be seized in a court to pay off a judgment that exceeds your auto coverage, you should consider an additional umbrella policy.

In some states, you are required to buy uninsured-motorist coverage. It pays you for injuries caused by a hit-and-run driver or someone who cannot pay a judgment. Yet if it is not required and if you have adequate health and disability insurance where you work, you may not need uninsured-motorist coverage, nor medical payments coverage.

Both may largely duplicate protection already supplied by your regular medical policy.