The Most Common Types of Auto Insurance Coverage

Most adults in the United States usually have cars. And most people who have cars are going to meet an accident on the road at some point during their driving career.

Due to these incidents some states requires you to have car insurance not to get money from you but they are thinking of protecting those people who drive cars. That’s why you can’t drive, if you don’t have any car insurance coverage. There are 6 types of coverage in a typical auto insurance policy. This coverage’s are:

Comprehensive coverage: which covers for the damages done to your car such as if your car got on fire, damage due to the flood, was stolen by theft, or even if you hit some animals on the road they will be the one to pay for the repairs or replacement of your car if you have this kind of insurance coverage.

Collision coverage: The latter coverage and this coverage are one of the common coverage in insurance company. This coverage helps you and pays the damage your car has when you are caught in a collision accident on the street.

Bodily injury coverage: This one will help you pay for the injuries and damage you have caused the other party when the accident was your fault.

Personal injury protection coverage: This coverage is also considered as “no fault coverage” this covers 80% of your medical, funeral, rehabilitation, and lost wages when you are caught in an accident regardless whose fault it was.

Underinsured motorist coverage: Will help you with the cost when you are involved in an accident with the other party that is at fault who does not carry enough insurance liability to cover up for the damage it caused you. This policy will cover the extra expenses that the other party’s insurance cannot cover provided that it does not exceed in your insurance policies predetermine limit.

Uninsured motorist coverage: Covers for the damages caused by the other party’s driver who does not have any liability insurance coverage. This coverage protects you from drivers who are irresponsible enough to not get insurance policies.

Before opting for the insurance I suggest you read and understand them first before choosing which insurance you want to get. Having to own a car comes with a responsibility on your shoulder, responsibility for your safety and your passengers and also to other motorist that you pass by.

You may not be required to opt for all the insurance above but thinking ahead and having insurance and abiding the rules of your state to have insurance might be of some advantage to you when the time comes.

Although you might think now that you don’t need insurance but if something happens in the near future you might regret not getting it while you still can. Remember that regret always comes in the end and not before bad things happens.

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