Types of Car insurance coverage:
When deciding on how much and what type of car insurance you need to get in your car it is very important that you have an understanding of the types of car insurance coverage. Following are some of the basic types of insurance coverage.
This is the most basic form of insurance that you must have in order to drive legally in most of the states. Every state has its own minimum level of liability coverage requirements. For instance, in Texas it is 30/60/25. Liability coverage covers the expenses that arise in an accident in which you are at fault. It covers the loss that you cause to the other party in an accident. Bodily injury liability is that insurance, which pays for the injuries that you cause to the other party in an accident in which you are at fault. On the other hand, property damage liability pays for the damages incurred to the vehicle of the other party in such an accident.
Personal injury protection:
This coverage protects you and the passengers in your car when you get into an accident. It pays for all the medical related expenses that arise due to an accident. It must be noted that this coverage is irrespective of who is at fault during the accident.
Uninsured/underinsured motorist coverage:
In case of an accident whereby the other party is at fault, but is not insured or is underinsured to cover for your expenses this type of car insurance coverage comes in handy to pay for your damages.
This type of car insurance coverage pays for damages that occur to your car when it gets into an accident. If the cost of repair is more than the value of your car as per collision coverage you will get the amount equivalent to the value of your car.
When your car is damaged due to any reason other than an accident such as fire, theft, weather related reason or any animal hit comprehensive coverage pays for the damages.
Get the best insurance coverage:
These are some basic types of insurance coverage. However, in order to get the best car insurance coverage select only what you need. For example, if you have health insurance you need to not buy personal injury protection. Apart from this collision and comprehensive coverage are also those that can be forgone. If your car is such that you want to repair or replace if it gets into an accident only then you should opt for comprehensive and collision coverage.
Ways to get auto insurance:
Once you have decided which type and how much insurance you need, you can browse through the internet for auto insurance quotes from various companies. You can also get insurance policy through an agent who is better informed and likely to make a wise choice.