Boca Raton Personal Injury Lawyer

Will Boca Raton Personal Injury Lawyer Discuss Different Types of Car Insurance?

Car insurance is a requirement in most states in order to register a vehicle legally. While most drivers simply purchase the minimum state-required coverage, some demand more than the bare minimum to ensure that their vehicles are protected against any damage they may cause to others. To be safe in case of accidents, you can consult Boca Raton Personal Injury Lawyer to understand which kind of insurance will be best for you.

1.    Liability Coverage

Liability insurance covers physical damage to other cars and passengers and injuries to passengers due to an accident for which the policyholder is at fault. It does not cover damages that the policyholder personally incurs. The minimum amount is usually around $15,000 per person, $40,000 total per accident and $50,000 total per accident in case of injury to the driver.

2.    Collision Coverage

Boca Raton Personal Injury Lawyer knows that collision coverage pays to repair or replace your vehicle after a collision, regardless of who was at fault. That means you don't pay a dime out-of-pocket for repairs. This coverage also applies if your vehicle rolls over or if your accident involves another car, tree, guardrail, or wall. USAA does not offer collision coverage for damage caused by collisions involving animals.

3.    Comprehensive Coverage

Comprehensive car insurance helps to ensure that you can get back on the road after an accident or unexpected incident. If your vehicle is hit by a falling tree branch, damaged by fire, or stolen and then crashed, comprehensive car insurance will cover the costs of getting it back to its pre-accident state. It also pays for repairs resulting from an accident involving an animal and damage due to carjacking.

4.    Underinsured Coverage

State laws require anyone driving on the road to have car insurance, and most states require you to have a minimum amount of coverage. However, most people don't meet this requirement and are uninsured. To protect yourself from underinsured drivers, it's a good idea to get uninsured/underinsured motorist coverage as an additional add-on to your existing insurance policy.

If you and an uninsured or underinsured driver are involved in a car accident, and the driver at fault can't pay for damages, your UM/UIM coverage will help, as per Boca Raton Personal Injury Lawyer.

5.    Personal Injury Protection

Personal injury protection is an integral part of No-Fault Insurance, which means that if you are seriously injured in an accident, your insurance carrier will pay for all medical expenses and rehabilitation to help you get back to work as quickly as possible. It is important to note that personal injury protection is only available through specific car insurance companies and is only available if you maintain a budget that meets their requirements. Therefore, before signing up for PIP, it's essential to consult Boca Raton Personal Injury Lawyer and know which type of car insurance you have. To read more Click Here