Personal insurance policies cover your homeowners insurance coverage, renters insurance, RV insurance, motorcycle insurance, and Car Insurance Shillington PA. Your auto insurance policy may be different from the policy you have for an RV like a motorhome, a travel trailer, motorcycle, or boat because these other vehicles have completely separate coverage needs. They are used in different ways and also you may need higher coverage on one than the other.
The minimum coverage you need to have for Car Insurance Shillington PA is liability coverage. Your insurance agent can tell you the minimum amount of liability coverage you are required to have, and if you elect higher coverage, that is up to you. Additional coverage may raise your premiums, but if you are willing to carry higher deductibles, then that may lower your premiums. Body injury liability coverage pays for someone else’s medical bills and rehabilitation expenses if you injure them in an accident in which you are at fault. Property damage liability pays for damages to someone else’s property that you damage in an accident in which you are at fault.
Uninsured motorist Car Insurance Shillington PA coverage pays for medical expenses for you and anyone else in your vehicle in an accident in which an uninsured motorist is at fault. Underinsured motorist coverage pays for medical expenses for you and anyone else in your car if another motorist is at fault and that person is under-insured. Both uninsured and underinsured coverage only pay for original medical expenses; they do not cover property damage to your car or anything else.
Vehicle damage would be paid for by collision coverage. You are not required by law to have collision coverage, but many banks and car dealers will require you to carry collision coverage if you are financing a car.
Comprehensive coverage pays for damage to your car that occurs outside of a collision. For example, it pays for hail damage, damage caused by animals like if you hit a deer, if your car is damaged by fire, or if your car gets vandalized. There are other additions you may put on your policy, like towing coverage, accidental death, funeral coverage, and gap insurance.
