开车时很容易分心. 只需要一条短信, 挑剔的婴儿, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. 作为车辆的拥有人/经营者, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, 以您选择的责任限额为限. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional 限制 of liability.

发生车祸的时候, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. 所需的金额(如果有的话)可能因州而异.

The property damage portion of your auto insurance policy protects you if your car damages someone else's property, 比如另一辆车, 一个栅栏, 或者一栋建筑. 在某些情况下, 你可以选择你的保险限额, or it may be a standard amount dictated by the insurer or local laws.

Depending on the severity of the injuries suffered in an automobile accident, 无论是你还是其他车辆造成的, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.

医疗保险或人身伤害保险, 这取决于你住在哪里, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. 确切的要求, 限制, 覆盖范围因州而异, so it's important to understand what's required where you live.

What happens when the driver who hit you doesn't have enough liability coverage? 或者，更糟糕的是，它们飞走了? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, 肇事逃逸的司机, 汽车保险公司破产的司机, or a driver who has not purchased enough coverage to pay for damages.

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, 盗窃, 以及其他你无法控制的情况.

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. 这种保险范围有多种每日限额.