The Different types of Car Insurance
It is imperative for you to have a car insurance coverage but you must know the different types of car insurance and their coverages so you will be able to make the best decision. Below are a few of the basic car insurance types
Liability insurance may help cover damages for injuries and property damage to others for which you become legally responsible resulting from a covered accident.
Collision insurance usually covers damage to a car after an accident involving another vehicle and may help to repair or replace a covered vehicle.
This type of insurance like its name suggest ,is a more comprehensive providing an extra level of coverage in the instance of an accident involving another vehicle. It may help pay for damage to your car due to incidents besides collisions, including vandalism, certain weather events and accidents with animals.
Uninsured motorist insurance protects you and your vehicle against uninsured drivers and hit-and-run accidents.
Underinsured motorist insurance can protect you in the event of an accident with a driver whose insurance is not enough to cover the costs.
. Medical payments coverage helps to pay medical costs related to a covered accident, regardless of who is at fault.
Personal injury protection insurance may cover as much as 80% of certain medical expenses and loss of income resulting from a covered accident.
Gap insurance may help certain drivers cover the amount owed on a car loan after a total loss or theft.
Rental reimbursement insurance helps pay for a rental car if your vehicle cannot be driven after an accident.