5 legal terms you’ve never heard of that could save your auto accident claim — and top tips from Ruben Law Group “Coverages” are the specific types of insurance protection on a car insurance policy that decide what losses the insurer will pay after a crash. Each coverage has rules, limits, and sometimes a deductible. Common coverages after an accident:
Liability: Pays for medical bills and property damage when the other person is at fault. Required in most states.
Collision: Pays to repair or replace your vehicle after a crash, regardless of fault (less your deductible).
Comprehensive: Pays for non-collision damage (theft, vandalism, weather, animals).
Uninsured/Underinsured Motorist (UM/UIM): Pays your injuries or repair costs if the other driver has no insurance or not enough insurance.
Medical Payments (MedPay) / Personal Injury Protection (PIP): Pays medical bills for you and passengers, sometimes regardless of fault.
Rental reimbursement / towing & labor: Pays for a rental car or towing/repairs after a covered loss. Ruben Law Group tips after an auto accident:
Document the scene: photos of vehicles, road conditions, license plates, and injuries.
Seek medical care immediately, even for minor symptoms — treatment records are critical.
Notify your insurer but avoid admitting fault or giving detailed recorded statements.
Preserve evidence: repair estimates, medical bills, witness contact info, and dashcam/phone footage.
Contact Ruben Law Group!
