Pet Car Insurance Covers Car Accident Injuries

Wait, what is pet car insurance? A newer trend, this type of insurance covers veterinary care should your pet be injured while in your car, whether in an accident or not. So if you're prone to toting Fido or Tiger or even Iggy from place to place, pet car insurance is something you may want to consider. When looking for pet car insurance, keep in mind that coverage and cost varies from company to company. Some build it into the overall price, such as Progressive. They offer up to $1,000 in vet bill reimbursement according to Insurance.com, and that includes injuries caused during theft or on recreational vehicles like boats. Speaking of which, summer is a great time to remind yourself not to leave your pets in a car, as vehicles heat up fast and can lead to death. And you should also be wary of taking your pets onto the water, where they may be exposed to dangerous bacteria or strong currents. Returning to pet car insurance, when you do your research, determine whether you need a separate policy, even if your insurance already offers some coverage. It may not be sufficient enough for your needs, and it may not even cover your species of pet. And if you don't have, or decide not to purchase, pet car insurance, you should still submit your veterinary bills to your insurance company. Because, under the law, pets are technically property, you may be able to obtain a payout under ordinary rules.

Car Insurance Coverage

Bodily Injury Liability Bodily injury liability coverage will pay for injuries you or another insured cause to a third party. This coverage also extends from your car insurance policy to someone else's car you may be driving as long as you are using the vehicle with resonable belief that you are entitled to do so. With the meteoric rise in health care costs, it is very important to carry high enough bodily injury liability limits. State mandated limits are usually too low, so consider buying as much coverage as you can afford. Liability insurance is a fairly affordable coverage, so don't skimp to save a few bucks.

Medical payments and PIP coverage are similar and the state in which you live may use one or the other or even both coverages. This coverage pays for injuries to you or other passengers of your car when involved in an accident. PIP can include not only medical payments, but also lost wages, other expenses and possibly funeral costs. This coverage also gives you some protection if you are injured getting into or out of a vehicle or are hit by a car while walking. Property Damage Liability Property damage liability is the car insurance coverage that pays for damage you cause to someone else's property. It could apply if you hit another vehicle, a mailbox, bridge railing, fence or any other object. Collision Coverage Collision coverage is the part of your car insurance that pays to repair your own car in the event you hit another vehicle or object or roll your car. A deductible applies to collision coverage, so you can expect to pay the first portion of any claim that falls under the collision coverage. The higher a deductible you have, the less the coverage will cost you. In the event you are in an accident that was not your fault, you may turn in a claim on your own car insurance policy. Your insurance company will subrogate, or be reimbursed by, the at-fault driver's insurance company. Your deductible will also be reimbursed. If the other driver carries low liability limits or is uninsured, your insurance company may sue the individual to recover their costs.

Car Insurance, Accidents and Attorneys

Insurance companies are a for profit business. Paying injured car accident victims cuts into those profits. The Clore Law Group help people recover damages from car insurance companies.