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CAR INSURANCE TYPES in May 2022 | CarInsuranceCheck

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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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What Kind of Insurance Do You Need?
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 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.
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.
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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What Are the Three Types of Car Insurance?
The three most popular types of car insurance include:
- Liability Coverage – when you get into an accident, and after investigations the police conclude you’re liable, the liability coverage will cover the expenses of repairing the property damage and the medical bills from the injuries incurred
- Collision Insurance Policy – it ensures that your insurer will pay for the repairs of your vehicle. If your car is totalled in a crash, the collision cover will help in paying out the value of your ride. While the payout might not cover for a brand new car, the sum will be approximately equal to what your automobile was worth before the collision
- Comprehensive Policy –it covers natural disasters like weather damage, theft, or an animal collision
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What Are the Different Types of Car Insurance?
There are six common forms of insurance policies. These include:
- Auto Liability Coverage – it covers the costs of repairing the property damage and the medical bills from the injuries incurred
- Uninsured/Underinsured Motorist Insurance – if you get hit by a driver who doesn’t have insurance, the uninsured motorist coverage will cover your medical bills or, in some states, repairs to your vehicle. If you’re hit by an underinsured driver, whose policy isn’t enough to cover your bills, then the underinsured policy will help pay for repairs and medical expenses
- Collision Insurance Policy – when your car is totalled, the collision insurance policy will pay out the value of your vehicle
- Comprehensive Insurance – it covers natural disasters like storms, harsh winds, floods, fire, theft or weather damage
- Medical Payments Coverage – if your or your family members driving the insured vehicle are injured in an accident, this policy will help pay for expenses associated with the injuries. Covered costs include hospital visits, surgery, and X-rays
- Personal Injury Protection – it helps in covering medical expenses after an accident. Moreover, the policy also helps to cover other costs incurred due to your injuries — for instance, child care expenses or lost income
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What Are the Five Types of Car Insurance?
The five most popular types of auto insurance include:
- Liability Insurance
- Collision Coverage
- Comprehensive Coverage
- Personal Injury Protection
- Uninsured /Underinsured Motorist Insurance
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Which is the Best Type of Car Insurance?
The best type of auto insurance is a policy that covers you in an accident and costs you the least amount in capital.
Some of the most effective plans are the comprehensive policy, liability coverage and collision policy.
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CarInsuranceCheck is the best Auto Insurance Company for Quotes in South Africa. We take pride in our products, and we believe in giving the customer exactly what they need when they need it. Use our free car insurance calculator for a fast quote.
What Does Vehicle Cover Cost ?
We provide quotes for multiple packages to our clients. The prices differ from package to package as certain add-ons and extras will change your monthly premiums as well as your excess fees. Our car insurance calculator is free to use.
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PS – If you’re anything like us, you just skipped to the end anyway.
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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.