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Types of Auto Insurance Coverage
If you are in the process
of seeking auto insurance, you may have found yourself rather
frustrated. It can be difficult in sorting through the different
auto insurance products that are available on the market today.
In this regard, you may have had a tough time sorting through
the different types of auto insurance coverages that are available
on the market today. This brief article has been prepared
for your own use in coming to a better understanding of the
different types of auto insurance coverages that are available
on the market today. Of course, if you find that you have
more questions about auto insurance after you have had the
chance to read this article, you will want to visit with an
auto insurance professional. In addition, the insurance commissioner
and his or her staff can also provide you with some basic
and essential information about the different types of auto
insurance coverages that are available in your state. In addition,
the insurance commissioner's office can also explain to you
the requirements in your state in regard to auto insurance
Auto insurance is required in at least 47 states by law,
since this requirement is considered so important it may
be a good idea to know what the law expects you to have
in the way of auto insurance, and the other types of options
that are available to you.
To begin with
it is important to take into consideration a few important
factors, such as the value of your car, what your budget for
auto insurance is, and your current driving record, below
are some of the coverage options available to drivers.
- Law in most states requires liability insurance for anyone
who drives a car. This type of cover is for accidental injury,
or harm that is caused by an accident if you are responsible.
Liability also covers court costs.
- Collision coverage is insurance that covers the damage
done to the insured persons car in the event of an accident,
where the vehicle hits another car or object.
- Comprehensive insurance covers damage done to a vehicle
when it is not involved directly in an accident, for example
fire, hail, vandalism or theft.
- Medical coverage pays for medical expenses, when medical
attention or care is needed as a direct result of a car
- PIP or personal injury protection insurance is required
in most states in order to drive a vehicle; PIP will pay
the medical expenses of a person as a result of a car accident.
- Uninsured motorist insurance covers the insured drivers
vehicle when it is involved in an accident, when a driver
who is at fault either has no insurance, or is under insured.
- Rental reimbursement insurance pays for a rental car when
the insured persons car is damaged or unable to be driven
because of a car accident.
|Many auto insurance companies allow
the insured to choose a number of these covers in their policy.
Once again, and as has been mentioned, in most states, you will
be required to maintain some of these different types of coverages
in at least minimum amounts as is set forth in the laws of those
states. If you do live in one or another of these states, you
must make certain that you remain in compliance with the law.