While comprehensive insurance coverage can be a very helpful in certain kinds of situations, it doesn’t really come into play in an actual collision. Rather, liability and collision coverage may be factors when you’re in an accident.
Understanding Basic Auto Insurance Coverages
The auto insurance packet you receive with a new or renewed plan is purposefully dense, so as to address all the legalities of your coverage. Unfortunately, this is beneficial mostly for the insurance company rather than the insured simply because the average person does not understand legalese.
To help decipher the jargon, below we will briefly discuss the major types of auto insurance coverages and the types of situations in which they apply .
- Liability: Liability insurance covers damages to others when you are at fault for the accident. This is broken up into two types: bodily injury liability (their medical bills) and property damage liability (their car). Remember, liability coverage only covers other’s damages, not yours.
- Collision: Collision insurance covers damage to your car when you’re in an accident, regardless of who was at fault for the accident.
- Comprehensive: Comprehensive coverage pays for damage or loss to your vehicle for causes other than collision. Your comprehensive insurance coverage would cover your losses in situations such as theft, fire, vandalism, hail damage, and damage caused by falling objects, etc. One situation where your comprehensive coverage may cover you in an accident is if you hit an animal such as a deer, it can cover repair or replacement of your vehicle.
There are several types of other coverages, as well. Two of the most helpful are uninsured and underinsured motorist coverage (pays for your damages when the other driver has no insurance, insurance isn’t enough, or in hit-and-run accidents), and personal injury protection (pays for your and your passengers’ medical bills regardless of fault).
Note, collision and comprehensive coverages are not mandatory insurance coverage in West Virginia, so there is a chance that you don’t have them on your policy. However, if your vehicle has been financed, most financial institutions require this additional coverage to protect their collateral. If you’ve been in an accident, speak to an injury attorney to determine what your legal options are and what types of compensation you may be eligible to recover.
Our Auto Accident Attorneys in Clarksburg Can Help
Have questions after an auto accident in Clarksburg? Our attorneys at the Miley Legal Group can help. Contact us today at 304-931-4088 today for a free consultation.