Basic Car Insurance Coverage

To drive legally a person must carry car insurance. While coverage can vary from state to state there is some car insurance coverage that is needed to stay legal.

No Fault

This type of insurance can also be known as personal injury protection. This coverage will help cover medical expenses, lost wages, and other necessary expenses in a household if the driver is injured or if a person is injured by the injured person’s car. This coverage will protect a person regardless of fault and a person will need to have coverage of at least $50,000 per person in the car. A person may be able to file a claim if another driver was at fault and they been injured due to no fault of their own. This coverage will also protect against driver negligence.

Liability Coverage

This coverage is protection from damage done to the car or any damage that may be done to other people or their property. A person will need to have at least $25,000 for coverage for bodily injury and $50,000 worth of coverage if the injury results in death.

Uninsured Motorist

This coverage will help protect a person and any passengers if they were in a hit and run accident or if the other driver that hit them did not carry insurance. This will help protect a person if they have been injured or if they need to have their vehicle repaired. The person that is driving without insurance will have to face additional penalties. A person is able to sue them in court but this insurance will help cover injuries and the cost of fixing their car.

These are some of the basic types of insurance a person must carry to stay legal. These insurances will protect them and their car in case of an accident and injuries.