Car Insurance Policies for Car Accidents

Insurance coverage for car accidents can be very useful. When a car accident happens, the driver who is responsible for the damages usually pays for the other driver’s car repair or replacement, rental car and medical bills with their own insurance. In Texas, drivers are required to carry at least the minimum insurance coverage.

There are many types of car insurance policies that are created for unfortunate events like an auto collision. An article on MarketWatch.com lists the different types of auto insurance people can purchase, and here are some of them:

Liability Insurance

Liability insurance pays for damages in a car accident when a policy holder is at fault, and there are two types available. One type is Bodily injury liability (BI), which covers other drivers and passengers in an accident. The second type is property damage liability (PD), which covers damages to property, including cars.

Collision Coverage

The coverage pays for damages to the car of a policy holder, whether) the person is responsible or not responsible for the accident.

Comprehensive Coverage

The coverage extends to expenses incurred when a policy holder’s car is damaged by theft, vandalism or environmental factors

Medical Payments (MedPay)

The coverage is used for medical expenses after a car accident. The coverage is for the policy holder and the passengers with the policy holder in an accident.

Personal Injury Protection (PIP)

The coverage is for medical expenses, lost wages and death benefits of a policy holder and passengers, whether the accident is the fault of the policy holder or not.

Uninsured/Underinsured Motorist (UM/UIM)

The type of coverage is used in car accidents with drivers that are uninsured or underinsured.

About Miracle Body and Paint

Miracle Body and Paint repair shop is one repair shop in San Antonio, Texas that offers excellent repair jobs. The (collision center) has been servicing the area for more than thirty years and is trusted by many customers. The (paint and bodywork) center employs  technicians with more than ten years of experience in auto repair jobs. And, customers can get discounts that will be applied to their deductibles for them to save money on out-of-pocket expenses. Miracle Body and Paint (auto body repair) shop also works with insurance companies for claims. Get a free online estimate now!