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14 Fredericksburg Parent and Family • December 2016 The estimated cost of motor vehicle deaths, injuries and property damage in 2015 was estimated to be $412.1 billion, according to a statistics report put out by the National Safety Council. From a global standpoint, the Association for Safe International Road Travel estimates that nearly 1.3 million people die in road crashes each year, which is an average of 3,287 deaths per day with an additional 20-50 million people injured or disabled. That's a lot of damage caused by auto- mobiles, especially if you assume none of this is taking into account the time you backed into a tree or accidentally collided with one of your own cars. All that being said, it's certainly worthwhile to have automobile insurance, because chances are you're going to get into some type of an accident, even if it's just a small one. basic auto owners coverages: 1. bodily injury Liability 2. no-fault or Personal injury Protection 3. uninsured Motorist's coverage 4. Physical Damage coverage 5. Property Damage Liability wRITTeN by hailey ross 1. bodily injury liability is the part of your insurance policy which pays for the costs associated with injuries to the other person or people involved. If you are sued for damages, it will also provide legal defense for you. 2. Medical payments, also known as no-fault or personal injury protection coverage, helps pay for medical or funeral expenses of covered drivers and/or passengers after an accident, regardless of fault. In Virginia, insurance companies that sell automobile insurance are legally obligated to offer medical payments as an option; however, drivers do not have to purchase it. 3. uninsured motorist's coverage helps protect you if you're in an accident with an at-fault driver who doesn't have liability insurance. It's only slightly different from underinsured motorist coverage which comes into play if the liability limits of the at-fault's driver are too low to cover the damages caused. 4. Physical damage coverage is divided into two parts: comprehensive and collision. Comprehensive covers damages to vehicles caused by things like fire, animals or vehicular theft. Collision coverage pays to repair your car if it rolls over or collides with another object. If your vehicle has been fully paid for, physical damage coverage is optional; however, if it's being leased chances are high that you'll be required to have it. An Auto Insurance Primer: Learning the basic terms on Your Policy 5