Philadelphia Car Accident Lawyers

Auto Insurance: Summary of Coverages

Type Of Coverage:	What It Protects:	Recommended:
Liability – (Bodily Injury)	Other driver’s injuries	$100,000/300,000
Medical	Your/family medical bills	$5,000 if good health insurance; $100,000 if no health insurance
Uninsured Motorist	Your/family injuries where other driver has no insurance	$100,000/300,000 Stacked
Underinsured Motorist	Your/family injuries where other driver has low insurance	$100,000/300,000 Stacked
Full or Limited Tort	Your right to claim for injuries	Full Tort
Loss of Income	80% of your lost wages	Don’t need if you have other income loss benefits; $5,000/month $50,000 max if no other coverage.
Funeral Benefits	Your funeral costs	Don’t need if other coverage; $2,500 if no other coverage.
Accidental Death	Death benefit	Don’t need if other coverage; depends on your individual needs.
Collision	Damage to your car	Not recommended for older vehicles. Higher Deductible lowers the cost. Whether to purchase depends on vehicled value.
Comprehensive	Theft or fire loss	Depends on your individual needs.
Extraordinary Medical Loss	Medical bills over $100,000; covers next $1,000,000	Important for very severe injuries.