Medical payments coverage is an auto insurance option that a lot of drivers prefer to have. Of course, they may have to specify if it is for ‘injury to any one person’ or ‘injuries to multiple persons.’ In addition, many also believe in getting coverage for damages to property, self or otherwise.

Some people are real misers. If you are a car insurance agent and you intend to sell them auto insurance, you have to be able to prove to them that they’d be saving more money on the long run. And it is not enough to tell them that an accident might happen – you’d be out the door before you know what hit you.

You can insure your car against theft or any number of non-accident damages. Other examples of such are windshield cracks caused by rocks or falling tree branches. I’ve seen it happen before. The guy got his windshield changed, and his comprehensive insurance paid for it. I got my own contract the very next day. How inspiring.

You can take out a basic auto insurance that pays for medicals, and you can also include damages to the vehicles involved. Sometimes the insurance company agrees to pay you indemnity to the tune of a certain stated figure. Whatever else you have to pay beyond that figure, you get to pay by yourself.

Most insurance firms dislike to hand you cash. Instead they’d do whatever they can to meet with whoever you have to pay money to, and pay the money by themselves. If you had a crash, for instance, and you have coverage for multiple persons’ injuries, your insurance firm would rather pay up to the hospital after they see the bills.

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