To know what your car insurance covers, you should first review your insurance policy documents. These documents outline the specific coverage types and limits you have purchased. Common coverage types include:
1. Liability coverage: This covers damages and injuries you cause to others in an accident. It typically includes bodily injury and property damage liability.
2. Collision coverage: This covers damages to your vehicle in the event of an accident, regardless of who is at fault.
3. Comprehensive coverage: This covers damages to your vehicle caused by non-collision events, such as theft, vandalism, or natural disasters.
4. Uninsured/underinsured motorist coverage: This covers damages and injuries caused by drivers who do not have adequate insurance or are uninsured.
5. Medical payments coverage: This covers medical expenses for you and your passengers after an accident, regardless of who is at fault.
6. Personal injury protection (PIP): This covers medical expenses, lost wages, and other expenses related to injuries sustained in an accident.
7. Towing and labor coverage: This covers the cost of towing your vehicle and any labor expenses related to an accident or breakdown.
Once you have reviewed your policy documents, you can contact your insurance agent or company to discuss any specific coverage questions or concerns you may have. They can help you understand your coverage and make any necessary changes to ensure you are adequately protected.