A number of car insurance coverage are available in Ireland. These include Auto Liability Coverage, Personal Injury Protection (PIP), Comprehensive Insurance, Collision, Medical Payments, Uninsured Motorist and so on. Only general information on Car Insurance Quotes Online Ireland will be discussed below.
Types of car insurance coverages
Auto Liability Coverage:
This will cover the expenses for the damage if the policy owner is found legally accountable for accidently injuring someone, or causing damage to another vehicle or other property in an auto accident. It also covers legal defense and court expenses. There are two types of auto liability coverage provided with the Car Insurance Quotes Online Ireland, including property damage liability and bodily injury liability. Under bodily injury liability, the expenses for pain and suffering, medical treatments, lost earnings and other such damages are covered. Under property damage liability, the expenses for damaged property along with loss of use are included.
Personal Injury Protection (PIP):
Under this coverage, the expenses for the medical treatment of the covered persons, who faced auto accident, are covered. This coverage may also cover expenses for funeral, lost wages, rehabilitation, and service replacement such as childcare services if a parent is handicapped. All the details are made available through the Car Insurance Quotes Online Ireland.
Under this car insurance scheme, the expenses for the loss of or the damage to a covered car, caused by natural disasters or calamities like wind, hail, flood, fire, etc. are covered. Other than these, the cases of theft, vandalism or hitting an animal may also be taken into consideration. However, the cost of the loss of or the damage to the property will not be covered if it has happened due to vehicle rollover or collision. All information regarding this are provided in the Car Insurance Quotes Online Ireland.
In an auto accident, if a covered person gets injured or dies, then all or a part of his or her medical or funeral expenses will be covered under this car insurance scheme.
This scheme has been devised to pay for the expenses of a covered vehicle damaged by collision with another vehicle or an object or due to rollover.
This insurance scheme (details availed through Car Insurance Quotes Online Ireland) covers the damages when a covered person faces injury in an auto accident caused by a driver who is not covered under liability insurance. However, in some states, this insurance plan covers the expenses for property damage also. This variety of auto insurance coverage has its own policies and terms in every state.
Apart from these, there are a few more categories of auto insurance coverage which include Underinsured Motorist, Emergency Road Service and Rental Reimbursement. Underinsured Motorist coverage is slightly different from Uninsured Motorist insurance coverage. Under the Motorist coverage, the expenses for the damage are paid only when the driver is insufficiently covered under the liability insurance scheme.