Car Insurance Policies

If you cause an accident, bodily liability covers the medical treatment for the other driver and pays for your legal defense if you're sued. These kinds of expenses can be large, so it's recommended that you get coverage of at least $100,000 per person. Property liability deals with any damage that you cause to the other driver's car or other property. When getting car insurance policies, $50,000 is usually the suggested amount for property liability protection.

Car insurance policies handle your injury treatment and your passengers' with medical protection. But if you have a complete health plan, you may already have this type of coverage. So if your state law allows it, you can either drop this part of your car insurance policy or carry a small amount to provide protection for your passengers.

Uninsured or underinsured driver protection in car insurance policies protects you when you're in an accident caused by another driver who has inadequate or no insurance. Since you want your expenses to be fully paid if this happens, you should get a minimum of $50,000 in coverage.

To cover the repair or replacement of your car, there's collision and comprehensive coverage. The size of the deductible you choose has a significant effect on the price of this coverage in car insurance policies. And with major accidents relatively rare, you should get a deductible as large as you can afford, at least $500.