Understanding PPA Policies

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Infinity Insurance

Are you having trouble understanding your Personal Passenger Auto insurance policy? We are here to help!

Automotive

Understanding PPA Policies
The Confusing World of Personal Passenger Auto

What Does PPA Do?
• Transfers the risks of driving from
you to your insurance company
• Saves you from financial burden
post-accident
• Satisfies legal insurance
requirements

Liability
• Required to drive legally
• Covers damage and injuries to the OTHER driver if an accident is your
fault
• Does NOT protect you or your car

Collision
• Pays for your car after an accident
• Covers you after hitting another car or an object like a tree

Comprehensive (Other than Collision OTC)
• Pays for damages not caused by collision
• Covers vandalism, fire, theft, weather-related damage, etc.
• Protects from falling and flying objects
• Covers damage from hitting an animal

MedPay
• Covers your own medical expenses
• Also called PIP
• Required in some states

Uninsured Motorists
•Covers against drivers who are breaking the
law and driving without insurance

• Now that you
understand PPA, go
check out your policy
to make sure you have
all of the coverage you
need!
• Call an Infinity agent
with any other
questions! 1800-
INFINITY
Now You Got It!

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If you own a car, then you have to buy an insurance policy. Having a insurance policy covers all the damage to the passengers and the vehicle. So, before buying a auto insurance policy, you must learn about the different types like auto liability coverage, comprehensive coverage, collision coverage and others. See the mentioned slideshow to learn more about the different types of auto insurance policies.

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Motor vehicle insurance in also known as car insurance, auto insurance and GAP insurance. It is an insurance, which provides a vehicle owner financial protection against any kind of bodily injury and physical damage that resulting from an unfortunate event whether through man made or natural casualty. Motor vehicle insurance works under a low that is mandatory by each & every state government under the motor vehicles act 1988. In addition, it is necessary to follow all these lows and rules to the owner.

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Watch full video on link given below- https://youtu.be/jPZpvgUSL2Q Motor Vehicle Insurance is the insurance coverage of risk arising out of the use of motor vehicle such as car, truck or other vehicles causing damage and loss to oneself as well as other’s property in an accident. Motor Insurance is mandatory as per the Motor Vehicles Act passed in the year 1938 and subsequently amended. Motor Insurance provides coverage related to property damage, bodily injury, medical expenses and any other sort of compensation in legal proceedings. It is also referred as Auto Insurance, Vehicle Insurance and Car Insurance. Types of Motor Insurance are - Private Car Insurance Commercial Vehicle Insurance Defense Vehicle Insurance Two Wheeler Insurance Motor Vehicle Insurance generally comprises of following two components – Third party liability coverage is the part of insurance policy which protects you in case you are sued or asked compensation for any physical injury or damage to someone else’s property by your vehicle accidently. Third party liability could be of following nature – Bodily injury liability and Property damage liability. Factors affecting premium of Insurance Policy- Type of vehicle Physical condition of driver Geographical area of use Age of vehicle Losses Covered under Motor Insurance - Loss or damage by accident, fire, lightning, theft, malicious act, natural disaster Third party liability in form of injury ,death and damage to property Medical Expenses Exclusions under Motor Insurance- Normal wear and tear Damage when person was driving without license Damage when person was driving in influence of alcohol Damage due to a war Thank you for Watching Subscribe to DevTech Finance

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