Types of car insurance

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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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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.

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.

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.
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.
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.

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.

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. 

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.

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.
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.

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