Private Passenger Automobile Insurance Policy

The standard type of Private Passenger Automobile Insurance Policy has four types of coverage.
1. Excess liability insurance
2. Medical payments coverage
3. Uninsured motorist coverage
4. Coverage for damage to your auto

Excess Liability Insurance
Liability coverage protects you against property damage or personal injury arises from the ownership or use of a covered automobile. If not specifically limited by your policy, you have been protecting from accident while driving an automobile, or if you have an authorization from the owner to use the vehicle and also a person who uses automobile with your authorization will be covered.

Medical Payments Coverage
Medical Payments Coverage will cover for medical expenses a whole family member, as long as you includes them to the limit automobile insurance. Medical Payments Coverage includes persons who occupy a covered automobile. At the time the policy was issued, you choose a coverage limit. It will paid for each person with a single.

Uninsured Motorist Coverage
Although liability coverage is suitable and required, many people are irresponsible (who do not buy insurance). But if when an uninsured motorist makes you in an accident you will not be able to retrieve any damages that you assist. If you get uninsured motorist insurance, even if you’re insurance company will pay for all property damage & physical injury which cause by uninsured motorist. It will cover up a whole family member, and also anyone who occupy in your covered automobile.

Coverage for Damage to Your Auto
When a person who has liability insurance causes you get an accident, but your damages cost exceed the coverage limits to that person, uninsured motorist insurance is included protection against uninsured motorists (in some states).