This article was designed to break down the different parts of automobile insurance so you can better understand them. There are normally common misconceptions on insurance in general.

So before you make a decision to go with certain insurance coverage, read this article first so you are prepared.

Categories of Automobile Insurance in Brooklyn New York:

• Bodily Injury Liability: On the whole, bodily injury is an insurance you bring in case you do hard to someone else involved in the accident. This is the insurance part that covers any medical bills and lost wages. All states require an individual to bring a certain minimum coverage of bodily injury. This is mandated by law and cannot be removed.
• Property Liability: Just as bodily injury, this insurance deals on property damage. This includes running into trees, poles, fences, other cars, a lot more.
• Personal Injury Protection: This pays for your lost wages and medical bills for you and any passengers involved in the accident. If in the case of death, it also deals with the funeral costs. Half the states require this coverage. If you have good quality insurance, this is one you can skip or carry state requirements on.
• Collision and Comprehensive: Collision is when your automobile is damaged. If your automobile is damaged around seventy or more, then they will consider your automobile totaled. In general, people take a higher deductible on this coverage. Keep in mind that you will need to pay these costs before your insurance takes over

• Uninsured or Underinsured Motorist: This is an essential insurance to reflect on even though it is only mandatory in a handful of states. This insurance begins when the person who you got into an accident with does not have insurance coverage, not enough or you were caught up in a hit and run event.