Auto Insurance America in Murfreesboro TN

Nov 02, 2018 (0) comment

Auto Insurance America in Murfreesboro TN

Auto Insurance America in Murfreesboro TN

AmeriAgency is Auto Insurance America in Murfreesboro TN

types of car insurance coverage

One of the most important (and trickiest) parts of buying car insurance is deciding what types of coverage to get. Check out the number of ways an AmeriAgency Agent can help protect you and your car below — and let an AmeriAgency Agent help you personalize your coverage options.

coverage options for your policy

Generally speaking, auto coverages break down into 3 distinct categories: liability, vehicle-based, and medical. While some are required and some are optional, all are extremely valuable protections that can help financially safeguard you. Here are the main types of auto insurance coverage you can choose.

AmeriAgency is Auto Insurance America in Murfreesboro TN

Medical payments coverage, also known as medical and funeral services payments, can help cover accident-related medical expenses (including funeral expenses) for you, other drivers on your policy, and passengers. It can also offer coverage if you’re struck by a car as a pedestrian or cyclist.

Personal injury protection can help cover medical expenses for you and your passengers after an accident, regardless of fault. Offered (or required) in no-fault states, PIP is a complex coverage that varies widely by state. In general, it covers hospitalization, rehabilitation, other medical expenses, and (sometimes) lost wages up to the limits you select.

No-fault states restrict what drivers can and can’t legally recoup from other drivers after an accident. In these states, you (and your insurer) are responsible for your own medical expenses up to a state-specific threshold.

AmeriAgency is Auto Insurance America in Murfreesboro TN

This coverage is for all those unpredictable elements that spring up on the road or in your driveway. Comprehensive coverage, also known as “comp” or “other than collision,” can help pay for repairs (or replacement, if your car’s totaled) after your car’s damaged by a natural disaster, vandalism, theft, fire, or a falling tree branch.

Collision coverage, together with comprehensive coverage, is a key component of what’s often referred to as “full coverage.” While your property damage coverage helps others repair their cars, collision is there to assist you. If you’ve caused an accident, collision helps to either repair damage or replace damaged parts of your car.

Comprehensive and collision coverages are not state-mandated coverages, but they may be required by a loan or leasing company.

 

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