When it comes to insuring your car, you need to get 100/300/50 comprehensive car insurance coverage. This type of insurance offers you the best protection for your car in terms of both personal injury protection and uninsured/underinsured motorist coverage. Uninsured motorist coverage will pay for any medical expenses that are incurred by the other party due to an accident that you have been involved in. In the case of an uninsured motorist coverage, this protection will cover the medical expenses and other damages that are incurred by the other party without any coverage from you. The two types of coverage are very similar in many ways and there are some differences to consider between the two as well. Comprehensive car insurance coverage is offered at a lower rate than the other type of protection but it still has a lot of benefits to offer. It covers all kinds of accidents, regardless of who is at fault, whether the accident was your fault or someone else’s fault and also covers all medical expenses that are related to an accident. Although the rates are similar, there are many different aspects to the 100/300/50 insurance limits.
What Does 100/300/50 Insurance Include
When you get your auto insurance policy, it usually includes information about bodily injury limits. What this means is that the policy will pay for the medical expenses for anyone who is injured in an automobile accident. There are three bodily injury limit laws in California. First, the law says that any person who is an occupant in a car can be considered a bodily injury for purposes of the 100/300/50 insurance limits. Then there is the second law that states that the driver of an automobile can be considered a valid customer for purposes of the medical coverage. This means that if a person is hit by an automobile, he or she can make claims for personal injuries under the personal injury protection. Also, the third law is one that requires all drivers, who use autos as their mode of transportation, to have personal injury protection. This law has some exceptions, like for fleet vehicles, and it also depends on the type of coverage that a company chooses for its drivers. For fleet vehicles, they might need more medical coverage than those drivers who use private cars.
You should also get information about the other types of coverage limits that are available under an auto insurance policy. Some of these include physical damage, collision, and liability coverage limits. Collision is very important, especially in an auto insurance policy. Basically, this coverage limits the amount that you will have to pay for repairs of your vehicle in case of a collision. If you get into an accident without having this coverage, you could end up paying a lot more for your car repairs. So, collision coverage limits help protect you against this. The other kind of auto insurance policy is the bodily injury per accident coverage limit. This limits the amount of money that you will have to pay for your own medical bills if you are found to be responsible for a bodily injury in an accident. The bodily injury per accident limits are usually quite high, which means that getting this coverage can be expensive for drivers with poor or bad credit. However, if you own your own car, and especially if you have a good driving record, you should be able to get this coverage. Wear and tear insurance is popular as well.