Continuation from June 6, 2010 blog—more coverage definitions:
Uninsured/Underinsured Motorist Bodily Injury – Covers bodily injuries to you and your passengers when the at-fault person has no insurance or not enough insurance to fairly compensate you for your injuries. In some states, there is also uninsured motorist coverage for damage to your vehicle. Given the large number of uninsured and underinsured motorists, this is very important coverage to have, even in states with no-fault insurance. Coverage is limited to the terms and conditions contained in the policy.
Property Damage Liability – Covers you if your car damages someone else’s property. Usually it is their car, but it could be a fence, a house or any other property damaged in an accident. It also provides you with legal defense if another party files a lawsuit against you for property damage. It is a good idea to purchase enough of this insurance to cover the amount of damage your car might do to another vehicle or object. Coverage is limited to the terms and conditions contained in the policy.
Adapted from an article from CarInsurance.com – 05/14/2009
Next month – 10 Steps to Buying Auto Insurance.
Law Offices of Buckland & Schumm, P.S. We offer free consultations and have over 27 years experience EXCLUSIVELY in personal injury law, with a long history of success helping accident victims understand their legal rights.