how car insurance and loan works: what covers what?

the car insurance claim loan
Car accidents happen — that's what insurance is for.  loan To give you an idea of how your coverage operates when you need it most, let's say you give your insurer the following info when filing a claim. loan

"A deer jumped in front of me during a yellow light.  loan I swerved to avoid hitting him, but I ended up hitting the blue sedan in the opposite lane. Then I slid into the median, where my car struck a lamppost. loan

Once the dust settled, I checked on everyone: loan The family in the car — a man, woman, and their 2 kids — seemed OK but I couldn't be sure. They decided to play it safe and headed to the hospital. For my part, my neck was throbbing something fierce." loan