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CAR INSURANCE TYPES in Aug 2022 | CarInsuranceCheck

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Last Updated 07 Jun 2022

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What are the benefits?

You probably have an idea of how car insurance works, but are you aware of the various types of auto insurance policies?

If you’re looking to get vehicle cover, then it’s vital to know the various types of auto insurance and their coverage. It’s the first step to getting the policy that’s perfect for you.

That said, here are a few basic auto insurance types, how they work, and what they cover.

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What Kind of Insurance Do You Need?

1. Collision Insurance

It¹ covers damages to your vehicle after you’re involved in an accident with another car, and it can help you repair or replace a covered vehicle.

2. Comprehensive Insurance

It offers you an additional level of coverage in the instance of an accident involving another car. It can assist you in paying for the damages to your vehicle due to the incidents besides the collision which may or may not include vandalism, natural events and accidents involving animals.

You may also want to read how to claim for pothole damage to your car.

3. Liability Coverage

It’s the most common, and it’s required in most states as a legal requirement to drive a vehicle. It can aid you in covering damages for injuries and any property damages to others for which you become legally accountable as a result of a covered accident.

4. Medical Payments Coverage

Hospital bills can be very costly after an accident. With that said, this coverage can help you in covering medical expenses related to a covered accident, regardless of whose fault it is.

5. Rental Reimbursement Insurance

Trying to figure out how to get around after an accident can be costly and daunting. The rental reimbursement policy² helps you pay for a rental car if you can’t drive your vehicle after an accident.

6. Uninsured Motorist Insurance

It helps you by safeguarding your vehicle against uninsured drivers and any hit-and-run accidents. It’s often paired with the underinsured motorist insurance.³

Did you know you may be liable for another driver’s negligence? That’s why choosing the right type of insurance is so important.

7. Underinsured Motorist Insurance

Most drivers opt to carry the minimum in liability coverage so that they can save some dollars, but this might not offer adequate coverage. The coverage can safeguard you in the event of an accident with a driver whose insurance isn’t sufficient to cover the expenses that come after that.

8. Gap Insurance

Your vehicle’s value can depreciate rapidly, so an auto insurance settlement might not be sufficient to cover the cost of a loan. Gap insurance⁴ can assist you to cover the amount owed on a vehicle loan after a total loss or theft. Make sure you also consider market value insurance.

9. Towing and Labour Insurance

It’s available if you already have the comprehensive car insurance cover and may reimburse you for a tow and for the labour expenses⁵ for repairing your car.

10. Personal Injury Protection Insurance

It can help you cover particular medical costs and loss of income, resulting from a covered accident. Dependent on the limits of a policy, this coverage can cover as much as 80% of medical and other incidentals stemming from a covered accident.

Types of Car Insurance

Best Personal Injury Protection (PIP)

Personal insurance protection (PIP) is specifically for car-related injuries. Find all about it here thanks to CarInsuranceCheck’s leading experts.

Learn More: Best Personal Injury Protection (PIP)

Comprehensive Car Insurance

Comprehensive car insurance is like having bad-luck protection for your vehicle. Found out all about it here thanks to our leading experts.

Learn More: Comprehensive Car Insurance

Third Party Fire & Theft Cover

A fire and theft policy covers any damage your car causes to other people, vehicles or property in the event of an accident that was deemed to be your fault.

Learn More: Third Party Fire and Theft Cover

Third Party Car Insurance

Third party car insurance is a liability insurance for protection against the claims of another. Find all about it here thanks to our leading experts.

Learn More: Third Party Car Insurance

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John Duckett

John helps individuals get the best deal on car insurance. He advises on how to match client needs with budget and successfully negotiates with insurance houses to exceed client expectations. Working in the online space is his passion, he loves to share his knowledge on insurance and keeps an updated blog.