Having adequate auto insurance coverage is very important, especially if you are ever in an accident. You don’t want to find yourself paying for the negligence of others. But, just how much does insurance cover after an accident?

Liability coverage will pay for any property damage or physical injury to other individuals. Medical insurance covers injury to passengers including yourself  and any others that are in your vehicle. Uninsured and Underinsured Motorist provides coverage for you from an accident that is not your fault, but the other driver either does not have insurance, or does not have enough insurance to pay for all your damages and injuries. Comprehensive covers damage to your vehicle by an act other than an accident, such as hail, vandalism or theft to name a few. Collision coverage is for damage to your vehicle from an auto accident, regardless of fault. Both comprehensive and collision coverage insurance come with various deductibles.

The deductible is the out of pocket expense before the insurance company will pay for the Utah body shop repairs. If there is a loan on your vehicle it would be a wise choice to add Gap coverage, then if your vehicle ends up being totaled in an accident, but the value of the vehicle is not enough to pay off the loan, the gap coverage will cover that additional expense.

When you have an accident that is your fault, the liability portion will cover the damage to the other person’s vehicle or property, their medical expenses, if they or others were insured plus any additional expenses that they may endure. If your car was damaged in this accident then your collision coverage would pay for damage minus the deductible. Additionally, if you were injured then the medical coverage will pay for your expenses up to the policies limit of insurance.

When the accident is someone else’s fault, their insurance will cover all your property and injury expenses. If you need your car repaired quicker, due to the other party taking too long to pay out, then you can use your collision coverage, and be reimbursed for your deductible at the time the claim is settled.

A final word of advice: It’s ALWAYS better to be over insured then under insured. The amount you will pay in your monthly premium for over coverage is significantly less than the deductible or what you will pay in medical and Utah auto body repairs before your insurance kicks in. And if you are under insured and you are in an accident, you may find yourself paying medical and Utah auto body bills for yourself and anyone else involve, completely out of pocket, regardless of who caused the accident.


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