What Is Basic Coverage for Auto Insurance?
You can buy many different types of seguro para autos
policies. However, most basic car insurance includes liability protection. In fact, most states require a certain limit for these policies. They may also want you to have uninsured/underinsured protection and comprehensive coverage. To make sure you get full protection, you’ll want to talk with your insurance provider.
6 Basic Car Insurance Coverages
All state car insurance
requirements are different, including the minimum amounts needed for coverage. This means the price of your car insurance will vary, depending:
- El lugar donde vive
- If you choose extra protection
- Which insurance company you work with
Generally, the six basic car insurance coverages you’ll need are:
1. Bodily Injury Liability Coverage
Seguro contra terceros por lesiones corporales
can help pay legal expenses if you cause an accident that injures another person. So, if you rear end another car and their passengers need to go to the hospital, this policy can help pay for their medical expenses. It can also help pay for lost wages if they can’t go back to work from an injury in the auto accident.
2. Property Damage Liability Coverage
3. Medical Payments or Personal Injury Protection (PIP) Coverage
Cobertura de gastos médicos
can help pay for medical expenses for you, your passengers and your family members after a car accident, including:
- Funeral costs
- Dental care
Keep in mind that this coverage isn’t available in every state. You may also want to get personal injury protection (PIP) to help pay for your medical expenses after a car collision. This insurance can help regardless of who is at fault for the accident.
4. Comprehensive Coverage
can help pay for damages to your vehicle that are out of your control, like:
- Hitting a deer
5. Collision Coverage
- Another vehicle
- Another object like a guardrail or embankment
- Only your automobile like a rollover
6. Uninsured/Underinsured Motorist Coverage
Underinsured/uninsured motorist coverage helps pay for injuries to you and your passengers if you’re hit by a driver that doesn’t have enough coverage or insurance. There are two types of this coverage:
To file an underinsured motorist claim, call us at 800-243-5860
Get a Quote for Basic Auto Insurance
To learn more about the AARP®
Auto Insurance Program from The Hartford,1
get a cotización de seguro para autos
today. You can also talk with The Hartford’s representatives 888-413-8970
. They’ll be able to help you find the coverages you need at the right price.
Última actualización: 21 de septiembre de 2023
Divulgaciones adicionales a continuación.