You are planning to purchase car insurance of your car to prevent damages. The damages that you meant when purchasing car insurance (or bilforsikring in Danish) is the financial damages you will get.

The reasons that you want to ensure your car to have car insurance are the many things you witnessed from the cars of your friends or even the news you see on television that there have been frequent car accidents. As you see these accidents from happening, you are looking for ways to avoid further damage both to you, your car and to your money.

You are wondering what the different coverage that the car insurance provides is. You want to make sure that you will never experience any big financial damages if ever you get involve in a car accident. The coverage the car insurance provides is called liability coverage.

The different liability coverage is:

• PD or Property Damage

This coverage covers the property of others that your car destroyed. Most of the accident involve could be the gate or fence of the property of another or the house your car damaged. This will also provide as a defense in case the owner of the property your car destroyed files a case against you.

• BI or Bodily Injury

This coverage covers the death of injuries of other people in which you and your car is at fault. Like the PD or Property Damage coverage, this will also give you a defense against people who are going to file a case against you. This only covers the injuries of other people and not you or the car. The limits of this coverage apply to max amounts that are going to be paid per incident, per person, etc.

• Collision Coverage

This covers entirely when your car is being hit or hit another car or any other object that is involved during your driving. The coverage is limited to how much the value of your car is.

• Comprehensive Coverage

This coverage covers the car or other cars involve (limited scenarios only) in any accident when you are driving except that of collision. An example of this coverage is when your car is stolen or it gets destroyed during a flood, a fire, a hail or by animals.

• Uninsured Motorist BI

This covers when you are in a car accident where the other driver is at fault and at the same time the driver who hit you does not have any insurance. Your car insurance will cover for the expenses you or the passengers in your car involved in the accident.

• Underinsured Motorist BI

Like the Uninsured Motorist BI, this covers you and the passengers with you involved in the accident where the other is at fault and has insufficient insurance.

• Uninsured PD

This covers you car involved in a collision with another property of the person and wherein the owner of the property has no insurance.

• Underinsured PD

Just like Uninsured PD, this covers your car involved in a collision with another property of a person wherein the owner of the property has insufficient insurance.

These are just some of the liability coverage car insurances or bilforsikringer covers.

This article is free for republishing

About Author
For more information on :
car insurance - bilforsikring