Basic Automobile Insurance

Optional Bodily injury, this is additional cover for the first mandatory area of cover that extends your coverage to the whole of the United States. Medical Payments is another option you can purchase that reimburses all medical expenses for all who were in the vehicle whoever may be at fault during an accident. Collision cover pays for damage to your vehicle less any deductible specified in the policy. You can get additional premium called a Waiver of Deductible where you don’t have to pay for the deductible if the driver who crashed into your car is identifiable (he pays for the deductible). Limited Collision coverage is a collision plan that pays for the damage to your car if your are no more than half responsible for the accident (both drivers are at fault) and the owner of the other vehicle is identifiable.