![]() Not all car insurance policies include deductibles for this type of coverage. Uninsured motorist coverage pays your expenses when you are in a car accident with a driver who is at fault but does not have insurance or is insufficiently insured to cover your costs. Check Rates Share Tweet Pin It Email Print Auto Accident Payment Recovery Car accidents are stressful enough without having to deal with proving to the other driver’s car insurance company that you weren’t at fault and are due reimbursement or compensation for accident-related costs. Personal Injury Protection (PIP) and Uninsured Motorist: Personal injury protection coverage pays the medical expenses for the driver and all passengers in your car. Its generally a good idea to carry coverage equal to your health insurance deductible, so you can use MedPay to cover your out-of-pocket medical expenses. In that case, you would not pay a collision deductible. MedPay limits typically range from 1,000 to 10,000, depending on the state and insurer. If your car is hit by another vehicle shown to be at fault and the owner is adequately insured, his insurance will pay for the damage to your vehicle. Most vehicles with basic plate insurance have a 700. This deductible is usually the highest deductible you will have with your car insurance policy. The deductible is the amount you must pay before your basic plate insurance covers the rest of the costs. This could be when your car is damaged in an accident with another vehicle or an object such as a tree or wall. This covers medical expenses not covered by a provincial health plan, plus loss of income as the result of an auto accident. The deductible for this coverage generally is less than the deductible for a car accident.Ĭollision: This coverage pays for repairs to your vehicle when you are at fault. It also will pay to cover the cost of replacing stolen items. This could include repairing damage from hail, hitting a deer or replacing a cracked windshield. Liability car insurance coverage does not have a deductible.Ĭomprehensive: This coverage pays your expenses if your car is damaged by something other than a collision with another vehicle or object. Liability: This coverage pays the expenses of others who are injured in an accident where you are at fault. It's essential to understand how much the car insurance deductible is for each type, so you'll know what you're expected to pay in the event of a claim. Just as there are different types of car insurance coverage, there are varying deductibles based on those different types of coverage.
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