Car insurance is a legal requirement for drivers in Connecticut, but understanding your auto insurance policy isn’t always easy. It’s important to know what your coverage includes whether you’re choosing a new policy or shopping around and before you’re in an accident, so we’ve put together a basic explanation to help you get started.
Liability Coverage
Liability coverage is typically the minimum required insurance. It covers accidental damages to property or personal injury caused in an accident to the other party involved in a crash but not for you, your vehicle, or your passengers.
Injury and property damages can include medical expenses, lost wages, property in addition to a damaged vehicle, or court costs, depending on your policy.
Collision Coverage
When your vehicle is damaged in a collision with another object or vehicle, this policy covers the cost to repair the damages, up to your policy limit.
Comprehensive Coverage
If your vehicle is damaged or destroyed from something other than a collision with another vehicle or an object, this covers the cost to repair it, up to your policy limit. Comprehensive coverage includes things like vandalism, theft, floods, or storm damage.
Personal Injury Protection (PIP)
Sometimes, personal injury protection is required by law. It covers your medical costs if you’re injured in an accident.
Uninsured Motorist Coverage
If you’re in an accident with an uninsured driver and they can’t afford to pay for things like your medical costs or repair bills out of pocket, this covers it. It’s meant to cover what the other driver’s liability insurance would have covered if they had it.
Underinsured Motorist Coverage
Similar to uninsured motorist coverage, underinsured motorist coverage covers what the other driver’s liability insurance is not going to cover. If the other driver is underinsured, it means that the money they owe you is beyond their policy limit, and this policy is there to cover the difference.
If you are in an accident, remember that your insurance policy may or may not cover the cost of the damage, and the other driver’s insurance may or may not, depending on the policies and on the accident. However, your insurance company can not tell you where to have your vehicle repaired – that’s always up to you. Here at Capitol Collision we are a certified auto body repair shop ct with technicians trained to work on any type of make and vehicle. We make it easy and will work with your insurance company to make it an easy and seamless process for you. Call us today at 860.423.4516 or visit us online at capitolcollsionct.com.
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