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Knowing the Terms on Your Auto Insurance Policy

You may be getting a great rate on your auto insurance in CT but are you getting a good value? It is very important to review your auto insurance policy regularly to make sure your deductibles are in order and that you are paying for a good policy, not just paying for a cheap policy. Here are some terms you need to know to help you read your policy easier.

Bodily Injury Liability

Bodily injury liability is coverage that will pay for any injury or wrongful death claims made against you if you are at fault for killing or injuring someone with your vehicle.

Property Damage Liability

If your car damages a person’s property, property damage liability will cover the cost to repair or replace the property. This coverage is required in most states.

Uninsured or Underinsured Motorist

If you or someone in your car is hit by a hit and run driver, or an uninsured or underinsured driver, this coverage will cover the cost of your injuries. Although relatively few states actually require this type of insurance coverage legally, it is important that you have this insurance as nearly 30 percent of the drivers in the U.S. are uninsured.

Comprehensive and Collision

Collision coverage is going to cover any damage to your vehicle up to your car’s total value. Comprehensive will cover any physical damage to your car from anything that is not related to an accident, so if your car is damaged in a natural disaster, or during a theft or vandalism.

See a Professional

Knowing the terms that are seen on your insurance policy is important for getting the best value on your auto insurance in CT. If you are concerned about deductibles or are wondering if you are sufficiently covered, see an insurance professional.

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