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Basically, the insurance just extends medical payments
coverage to include lost wages. Some states allow you
to waive this coverage for your family (assuming you
already have adequate health and disability insurance),
but force you to carry some Poway California auto car
homeowners insurance to cover other passengers in your
car. In states with no-fault insurance laws, this coverage
is often required.
Since these states place the burden of injury coverage
on your insurance policy regardless of who's at fault,
it's tough to sue the other guy. This coverage might
be duplicate coverage to other types of insurance company
benefits such as sick pay, disability, hospitalization
and life in addition to your own bodily injury liability
coverage.
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Poway California auto car homeowners insurance covers
Uninsured/Underinsured Motorist protection designed
to pay for injuries that you or passengers in your car
incur that were caused by someone who should have had
bodily injury liability insurance on their policy but
didn't.
In the event of an accident, the bodily injury liability
protection of your auto insurance policy is designed
to be the primary protection in the event of a lawsuit
by your passengers no matter whose fault the accident
was. If the accident is someone else's fault, insured
or not, you are not liable. This coverage might be duplicate
coverage to other types of insurance and company benefits
such as sick pay, disability, hospitalization and life
in addition to your own bodily injury liability coverages.
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