subject: The 6 Basic Types Of Car Isurance Coverages [print this page] Before deciding upon any kind of buying commitment on your vehicle insurance policy, it's essential that you should get a decent knowledge on the kinds of automobile insurance coverages and just precisely what they mean and just what it is that they cover or don't cover.
Birmingham auto insurance protection follows the similar kind of conventions as nearly all all auto insurance protections across most all of the states, so we should take a look at the essentials.
* Bodily Injury Liability - Is where if it is you that happens to be involved in an accident in which you are the at fault driver, this variety of insurance coverage is responsible for the medical expenses of the other driver and passengers.
* Property Damage Liability - Is much like in the case of bodily injury; if you are the at fault driver in a collision, this type of coverage insures the property of the other driver.
* Collision Coverage - Perhaps the most commonly known type of car insurance protections because this covers the damages that may have been caused to your car as a result of an accident.
* Comprehensive Coverage - This covers damages that may occur that are not accident related such as weather or criminal damages to your car.
* Personal Injury Protection often time know as (PIP) - This deals with your medical charges that might occur as a result of a car wreck.
* Uninsured/under-insured Motorist Coverage - This portion of your insurance policy is just about self explanatory. If the other driver in the accident is at fault hand isn't carrying insurance or doesn't have enough insurance, this rider covers your expenses as defined by the amount of coverage that you opt for.
Birmingham auto insurance specifications are driven by the state of Alabama and consequently there are minimal requirements that must be met and carried by an insurance policy owner.
Regardless of whether you might not want not to carry any Birmingham auto insurance, the state of Alabama necessitates that you indicate financial proof or responsibility such as $50,000 in the form of cash or a liability bond in order to be properly covered.
These days getting a number of quotes in hand for these various types of coverages is really quite straightforward. With a basic search on something similar to birmingham auto insurance, you will be able to turn up a selection of companies and neighborhood agents that you can then start the process of finding the best quote.
by: Jeff Neilan
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