“My dad, when he was in his mid-40s, had a very minor heart attack. Both types of coverage are typically bundled together, and some states require them.ĭo you have the right insurance coverage? You could be saving hundreds! Connect with an insurance pro today! Uninsured or underinsured motorist coverage: As you probably guessed by the name, these are coverages that protect your car if you get in an accident with an uninsured or underinsured driver and the accident is their fault.MedPay is a good option if PIP isn’t available in your state. They both cover pretty much the same types of expenses, but PIP provides stronger coverage with higher limits.

Medical payments coverage: Basically, medical payments coverage (or MedPay) is a weaker version of PIP.states, but it’s usually pretty cheap to tack it onto your policy if you have the option. PIP coverage is only available in about half of U.S. Personal injury protection (PIP): This covers hospital bills, medical costs and lost wages if you get injured in a car accident-basically, any gaps your health insurance doesn’t take care of.(The extra costs are minimal in most cases.) You should also consider adding these three areas of protection to your auto policy if they’re available in your state. You need at least $500,000 in liability protection (it’s usually only a few bucks more each month). Liability: If you’re responsible for an accident, liability coverage takes care of the other guy’s car and any injuries or property damage caused by the collision-and legal fees if the other guy decides to come after you and sue you for some reason.Comprehensive: This level of insurance covers damage to your car not related to wrecks-like theft, fire, glass breakage, flooding and hail damage.Collision: If you get in an accident that’s your fault, collision coverage pays for damages to your car.But there are a lot of different types of protection in the auto insurance world, and you need to know which ones to include in your policy.

You probably didn’t need us to tell you how important it is to get auto insurance-chances are, your state requires it anyway.

Policy genius future purchase option