Empire Fleet Solutions

A basic vehicle insurance policy may include up to six different types of coverage.  Each section of a vehicle insurance policy is usually priced separately.  The various types of coverage include vehicle insurance liability, liability coverage, personal injury protection, property damage liability, collision insurance, and comprehensive insurance.

 

Different types of coverage included within a Vehicle Insurance Policy (H2)

 

• Vehicle Insurance Liability

Vehicle insurance liability covers you as the vehicle insurance policy holder or designated driver, for injuries caused by you to others whilst driving.  Other individuals such as family members or friends may also be listed on the vehicle insurance policy; this means they are also covered when driving your car. 

 

• Liability Coverage

Having enough liability insurance coverage is of the utmost importance, because you could be sued for a large amount of money if involved in an accident.  If liability insurance coverage is not included within your vehicle insurance policy but you do have a house or other savings, then these assets are at risk through a court case. 

 

• Personal Injury Protection

Personal injury protection (PIP), or commonly referred to as medical payments, also forms an important part of your vehicle insurance policy.  Personal injury protection refers to the amount of vehicle insurance coverage provided to cover all treatment of injuries to you as driver and policy holder, as well as to your passengers. 

 

• Property Damage Liability

Property damage liability is an important part of your vehicle insurance policy.  Property damage liability pays for damage that you or another person driving your car may cause to someone else’s property. 

 

• Collision Insurance

This type of vehicle insurance policy covers all costs associated with damage to your vehicle when in a collision with another vehicle.  It also covers damage caused by potholes.

 

• Comprehensive insurance

Comprehensive insurance is that type of the vehicle insurance policy that protects against damage or loss due to theft, or something else other than a vehicle.  This could include vandalism, a flood, an earthquake, or fire.