| The typical insurance policy will use terms of | | | | average insurance policyholder. They are not |
| language that are not used in regular situations. | | | | typically considered as important as other types |
| These terms may actually be unique to the auto | | | | of coverage. Still, they do offer some great |
| insurance industry and used exclusively. If you | | | | advantages if added to your policy. |
| want to be in a knowledgeable position where it | | | | Above all terms, liability will probably be the most |
| comes to your insurance coverage, you should | | | | familiar to you since it is the most basic coverage. |
| have, at least, some grasp of the auto insurance | | | | Liability coverage is usually the minimum amount |
| lingo you might encounter. | | | | of insurance you can have. It protects the driver |
| There are a few basic things you should | | | | from any costs for damages sustained in a |
| understand about car insurance. If you do not | | | | collision. When you have liability coverage, the |
| have insurance you need to realize that you lack | | | | point is to have protection from any fees incurred |
| any sort of protection if you happen to get in an | | | | when damages are done. If you do not have |
| accident. Without insurance protection, you can be | | | | sufficient coverage it may mean you will pay the |
| held legally libel and subject to lawsuits. If sued, | | | | victim's damages or injuries yourself. Physical |
| you may have to pay for any damages sustained | | | | damage insurance is simply that coverage you |
| in the accident if it was your fault. On the other | | | | used to pay for repairs or a to replace a |
| hand, if the accident isn't your fault, you may still | | | | damaged vehicle. Of course, medical coverage is |
| have to pay for your medical bills, those of your | | | | meant to cover not only you but passengers as |
| passengers, as well as repairs or replacement of | | | | well by paying for medical expenses. |
| your automobile. These consequences underscore | | | | The last auto insurance terms are not essential. If |
| the need for auto insurance coverage. This fact, | | | | you have emergency assistance coverage, you |
| of course, explains why most states make some | | | | can access roadside assistance programs. Once |
| level of auto insurance coverage mandatory. | | | | emergency assistance coverage is added to your |
| There are really only five basic terms you might | | | | policy, you can feel safer knowing that you can |
| want to understand when reading a policy or | | | | make use of towing and other services when |
| discussing it with an agent. Those terms are | | | | your vehicle has a problem. Unattached equipment |
| liability coverage, physical damage coverage, | | | | coverage deals with those aspect of your vehicle |
| medical coverage, emergency assistance | | | | that may have been added later, after purchase |
| coverage, and unattached equipment coverage. | | | | that are not permanent parts of the automobile. |
| For many car owners, the above terms might be | | | | They may be expensive additions like fancy |
| somewhat recognizable. They may have come up | | | | lighting, customizations, or sound systems; all may |
| in early conversations about insurance. Other may | | | | be eligible for protection under this last form of |
| be less familiar to you. Liability, medical, and | | | | coverage. |
| physical damage coverage are considered more | | | | If have a working knowledge of these types of |
| recognizable to car owners who know a little | | | | terms, you will be able to approach the topic of |
| about insurance or have discussed it in brief. | | | | auto insurance with far more confidence than |
| Meanwhile, emergency assistance and unattached | | | | before. You will understand what each means so |
| equipment coverage are mentioned less | | | | you can better evaluate plans to see if they are |
| frequently and remain more obscure to the | | | | fitting your insuring needs. |