Tips For Purchasing Your Next Car Insurance Policy

Initially when deciding the basics of car insurance it can be a tad bit overwhelming. Many different coverage’s are available. Some are required while many others you can choose as an option. From state to state the law is different and varies in coverage. At the least most states require liability car insurance. This is definitely the most common type of coverage. Liability insurance can be for property damage and bodily injury. Most states require both types of coverage, generally car insurance policies list a three digit format such as; 25/50/25.

What this means is, if you as the insured are found at fault or cause of the accident, your policy would provide $25,000 dollars of bodily injury liability insurance per person and $50,000 dollars of bodily injury coverage per accident that would be the total per person no matter how many persons were involved. The ending number indicates the allotment of $25,000 dollars of coverage for property damage involved in the accident. Replacement of the car involved or repairs and damages. However, it may or may not be enough, depending on the vehicle or vehicles involved or amount of bodily injury.

If the insured does not have sufficient amount of liability coverage, he or she will be held liable for the additional costs connected with the accident or collision. Be sure and choose the level of coverage you will need. Keep in mind the prices of medical treatments, hospital stays, lab work, x-rays and anything associated a bodily injury and how costly those charges are. Also, the price of new vehicles and repair work with newer model autos can be very costly.