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Tip #15 Liability Bodily Injury and Property Damage (BI/PD): This coverage provides protection if you are at-fault in an accident that causes injury to people or damage to property. Property damage includes physical damage to other vehicles as well as other property, such as a building, sign, etc. Most states require a minimum limit of BI/PD coverage. Higher limits are usually available and always recommended - it's wise to consider the worst case scenario. If you are in an at-fault accident and total a very expensive car, yet have low liability limits on your insurance, you'll be responsible to pay out-of-pocket for the damage. Collision Coverage: This coverage pays for damage to your car caused by an at-fault collision. This could be a collision with another vehicle or other property, such as a building or sign. This coverage includes a deductible and may be required by a lender for a financed vehicle. This insurance also applies to hit and runs and uninsured motorist coverage but keep in mind you'll have to pay your deductible to repair your car in either case. Comprehensive (Also referred to as Other-Than-Collision or "OTC"): This coverage pays for damage to your car for reasons other than a collision. This includes theft, fire, vandalism, windstorm, etc. This coverage includes a deductible. Collision coverage and Other-Than-Collision coverage are collectively known as "Physical Damage" coverage. Comprehensive coverage may be required by the bank that finances your vehicle. Uninsured Motorist Coverage (UM): In a perfect world, everyone would have high limits of auto insurance and this coverage would be unnecessary. Unfortunately, this is not the case. UM coverage kicks in if you are in an accident with an uninsured driver. Limits are similar to limits of liability and some states require at least a minimum limit of UM. Medical Payments Coverage: This coverage pays reasonable medical expenses incurred by you or a passenger(s) in an accident. The limit is per person and is usually a dollar amount (e.g. $5,000). Different states have different specifics on this coverage so talk to an insurance agent in your area.

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15a. autoinsurance quotes comparison fact: Countless people wait until after their current insurance is past due before searching
for a free insurance quote and eventually buying new auto insurance.

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15.) Insurance "Grace Periods" (Part I).

Insurance companies email or snail mail monthly, quarterly and/or annually with specific payment due dates. A staggering number of people wait until AFTER their payment due date to start searching for better rates from another texas car insurance company. Some succeed. Most don't. Here's why...

There is no official "grace period" between the time that your payment is due and you receiving an auto-generated letter stating that your auto insurance will be cancelled in 10 days (from payment due date) because of non-payment. At this point, many insurance companies will accept your payment and everything will be fine. Some won't.

The problem is... if you, willingly or out of necessity, search for insurance online and/or request quotes, your status with your current insurance is technically "cancelled" as of the date on the auto-generated letter which will put you in a totally different insurance category - uninsured - making every auto insurance quote you receive much higher, sometimes doubled or even tripled.

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