6 types of insurance for car
1, auto liability coverage.
2, uninsured and underinsured motorist coverage.
3, comprehensive coverage.
4, collision coverage.
5, medical payments coverage
6, personal injury protection coverage.
short notes;
keep in mind these all the types of insurance are the same car insurance. but car insurance has 6 types of different coverage. so let’s take a deep look at each car insurance coverage step by step.
1, auto liability coverage.
before knowing the purpose of auto liability insurance. you have to know the two types of this coverage.
* body injury liability.
* property damage liability.
explanation of auto liability types;
when you put these auto liability coverage insurance. it helps you to cover the cost of expenses when you damage other property (or) a person while driving.
example of auto liability insurance;
let’s say you driving the car. and you put the auto liability coverage for your car. while driving, you accident some of the vehicles and persons. which leads to some of the medical and car damage expenses for third parties. at the time or movement, you can easily claim your coverage.
note;
you can not claim any penny more than your coverage. you can only able to claim the amount, that is covered by your insurance.
2, uninsured and underinsured motorist coverage.
explanation;
while you drive on the road, when someone damages you or your vehicle, where he is not insured to his car. then you can use your uninsured and underinsured motorist coverage to claim your total medical bills amount and also to repair your car.
3, comprehensive coverage insurance.
explanation;
if you’re a person who wants to protect their car from theft and fire. then you must need this insurance. which helps you to claim the total value of the car. when your car is theft (or) fire in some places.
note;
this insurance has of pocket limit. which means let’s say you have 5000 dollars comprehensive coverage insurance.
and the insurance told me that I must put in some money from my pocket to cover the out-of-pocket limit. let’s say 500 dollars. when you pay the first five hundred dollars from your own money, then you can be eligible to claim the total amount of the coverage.
4, collision coverage car insurance
explanation;
while driving a car, when you damage any of the others such as the car, or materials extra… then this collision coverage will help you to claim the amount from your insurance industry for replacement (or) repair of the item, that you damaged.
5, medical payments coverage car insurance
explanation;
this coverage helps you to cover when your insured car gets into an accident and you get involved in the injury. then you can use this medical payment coverage to claim the full amount for your medical expenses.
this covers not only you but also any of the members of your family who are involved in this type of activity. then this coverage helps you to claim the amount for your injuries.
6, personal injury protection coverage.
explanation;
personal injury protection also called a PIP. when you and your car are involved in an accident. if you have more medical expenses after the incident of your car accident. then this car insurance PIP coverage will help you to claim the amount from your insurance organization.
some people have doubts and confused the medical payment coverage car insurance and personal injury protection coverage insurance. this PIP insurance coverage only helps to claim additional medical expenses after the incident.
People’s minds question in types of insurance for cars!
can I add any additional coverage on car insurance?
yes, of course, you can add. but all the different types of coverage are not available in all the states of the country. you may have to consider it with your insurance industry. is that your needed coverage is available in their organization (or) not.
the six mentioned common car coverage insurance are available in most of the states but you need any different types of coverage. then you have to consider your insurance agency.
conclusion for types of insurance for the car, first of all, determine your needs, then consider which is best to choose in these all types of coverage. put on the car insurance on your benefit coverage.
so finally if you have any more doubt about the types of insurance for car. then don’t hesitate to feel free to contact us. we are helping you with types of insurance for cars.