Auto Accidents

Five Basic Types of Auto Insurance

Unfortunately, automobile accidents are one of the most common situations that result in personal injury. If you are in an automobile accident, there can be catastrophic injuries and there are several different types of insurance that may be available to cover the often extensive damages. In order to recover all that you are entitled to in the event of an accident, you should be aware of the basic types of auto insurance that may be available:

· Liability will pay to have the other driver's car repaired and will cover your liability for any injury to another person in the event you are the one at fault in an automobile accident. If the other person is at fault, his liability coverage should pay on his behalf.

· Collision will pay to repair the damage to your car, or will pay the value of your car if it is "totalled" if there is property damage where no one is at fault.

· Medical Payments is coverage that provides for payment of medical bills for anyone injured as a result of a car accident. This would include any passengers in any vehicle involved in an accident. Normally, the limits of medical payments coverage are relatively small. A $2,500 or $5,000 limit is not unusual.

· Comprehensive insurance may be available to cover damage to your car that can occur in a situation other than a vehicle accident. For example, if your car is damaged by debris during a thunderstorm, comprehensvie insurance should cover the repairs.

What You Should Do If In An Accident

If you are involved in an accident, there are certain steps you can take to protect your right to any potential recovery:

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