What Your Car Liability Insurance Policy Normally Covers
Around 24,000 deaths from automobile accident in the US were recorded between January and September 2011, a little lower than the previous statistics. Despite the decline in rate, the number is still too serious to neglect. Sadly, still an estimate of 13.8 percent or 1 in 7 registered motorists do not have car liability insurance policy.
A car liability insurance policy protects a citizen from damage due to a vehicular accident. It may cover potential expenses incurred for the hospitalization and recovery of the people involved, and the restoration of the damaged car and property. Expenses that aren’t covered by the liability insurance policy must be paid using personal funds. However, most liability insurance policies cover the major expenses, thus helping owners easily get out of any financial liability.
Three vital components make up a car liability insurance policy: coverage for body injury of each person involved, coverage for body injury in each accident, and property damage. Each component does not, however, usually apply to the one at fault during the accident. A car liability insurance policy may contain several other types of coverage depending on the state where it’s implemented.
While most car liability insurance policies contain only bodily insurance coverage for the persons injured in an accident for which the insurer is at fault, policies in other jurisdictions allow personal injury protection (PIP) that covers the perpetrator’s medication. Similarly, certain policies allow coverage for the restoration of the insured’s damaged vehicle. The insurer may pay for both injuries and property damage depending on the approved coverage.
An auto accident attorney Utah and other prominent states recommend can explain well how a car liability insurance policy works, especially if his client is the one at fault. He can help his client find sources of payment for damages done. In case his client is uninsured, the insurance company of the other party will cover for the damages. The court, however, shall hold the perpetrator liable for any compensatory damages.
Regarding a car accident that wasn’t necessarily anyone’s fault, such as those triggered by fire or other natural mishap, the insurer shall pay for the damage in the form of comprehensive coverage. If the car is financed, the Utah auto accident attorney would advice the owner to maintain comprehensive coverage on the vehicle. That will rid him of any legal obligation toward the lender.
Learn more about car liability insurance policy and tips from a Utah auto accident attorney in allstate.com. The site provides detailed information about what you can expect from your financial coverage when you are involved in a car accident.
Guy Chambliss - About Author:
For more details, search auto accident attorney Utah and Utah auto accident attorney in Google for related information.
Article Source:
http://www.articleside.com/law-articles/what-your-car-liability-insurance-policy-normally-covers.htm
Related Law Articles
Published by Gerronlaw on May 7th 2012 | Law
Published by Paxton on January 17th 2012 | Law
Published by Michael Smith on February 3rd 2012 | Law
Published by Carolmoore on March 6th 2012 | Law
Published by Lawposti123 on March 2nd 2012 | Law
Published by John Kennedy on December 8th 2011 | Law
Published by Michael Smith on February 2nd 2012 | Law
Published by Philipronald on December 20th 2011 | Law
Published by Gerronlaw on June 6th 2012 | Law
Published by Farrukh Baig on December 22nd 2011 | Law
Published by Steve Mich on November 29th 2011 | Law
Published by Angelique Daniel on February 2nd 2012 | Law
Published by Smith Wymondham on November 28th 2011 | Law
Published by Lawposti123 on February 28th 2012 | Law
Published by Steve Mich on November 29th 2011 | Law
Published by Carolmoore on March 13th 2012 | Law
Published by Jeremy Ross on March 27th 2012 | Law
Published by Philipronald on December 20th 2011 | Law
Published by Pawantechmagnate on February 13th 2012 | Law
Published by Gerronlaw on December 6th 2011 | Law