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All About Car Insurance Coverage

If you’re just buying car insurance for the first time you are probably wondering what this even includes. There are so many things that car insurance companies have chosen to include in their car insurance coverage that it can be a little confusing because some of these different aspects even sound the same. Here’s what you can expect when you get covered!

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Liability Car Insurance Coverage

There are two components to liability car insurance coverage when you are shopping online for auto coverage. First of all there is bodily injury liability. This protects you from being responsible for someone if they get injured in an accident that is your fault. You know that medical costs are astronomical in this country so even if they are covered to the gills in health insurance they may still not have enough coverage to cover the whole thing. There is also property damage liability which will cover any damage that happens to another person’s cars or personal belongings in an auto accident. This is great because you do not want to be shelling out yourself in the case that something happens that is determined to be your fault! Liability is all about protecting yourself just in case. You don’t want to end up responsible for a lot of expensive costs.

Uninsured Motorist Car Insurance Coverage

While it’s true that most states require you to get car insurance coverage, not everyone is such a rule follower! There are people who drive around without insurance for one reason or another. Either they need to save their money for something else or something like that. Well, you shouldn’t have to pay just because of someone else’s irresponsibility. You need to be covered even if you get into an accident with someone who doesn’t have their own car insurance coverage.

Comprehensive

This type of car insurance coverage is something that will protect your car even if something happens that is not your fault. If a tree falls on your car or a flood damages your vehicle, you will want this type of insurance to protect your car! You might not think you need this, and it’s not mandatory in most places, but you will be glad that you have it when you end up needing it because something happened to your car that you weren’t expecting!

Car Rental Insurance

Most car insurance coverage plans also include coverage in the case that you get a rental car. They will help you out by continuing your coverage when you travel and rent a car so that you don’t need to worry about buying expensive rental car insurance plans. Some companies do not offer this, like Nationwide, so make sure that you have coverage before you decline the rental car insurance!

Collision

This is for the klutzy among us. Collision coverage occurs when you hit something that is not moving. It could be a tree, a telephone pole or a road barrier. If you do this there’s no chance that you won’t be found at fault because you’re the only person involved in the whole accident, of course. It may not seem fair because there are still things like weather conditions to consider, but you will want collision for those times when something hard comes up fast on your vehicle!

See also:

What is home insurance? It’s a question that many people struggle to...
What is it about all car insurance that can be somewhat intimidating...
Cheap homeowners insurance is something that most homeowners strive...

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