Typea Of Coverage

There are some types of coverage:

1. Liability
Liability coverage generally pays for bodily injury and property damage when you are responsible. The amount you are required at a minimum varies from state to state. Liability coverage also usually pays for a legal defense and court costs, if necessary.

2. Comprehensive
Comprehensive coverage pays for any losses to your auto due to events such as: theft, break-ins, fire, or natural disasters like flood, hail damage and so on. Normally if you finance your car or lease an auto your finance company will require you to carry comprehensive coverage. You can expect a deductible for this coverage. The higher your deductible, the lower your rate will be.

3. Collision
Collision coverage insures you against damage from events such as: collision with any other object such as an auto, fence, wall, etc. You can expect to have a deductible for this coverage too. Normally if you finance your car or lease an auto your finance company will require you to carry comprehensive coverage.

4. Personal injury protection
Normally pays medical costs for persons, regardless of fault, for medical costs associated with ac accident. PIP maybe be required in some states.

5. Uninsured motorist
Uninsured motorist will pay for your damage if injured by a driver without liability insurance. Property damage may also be paid in some states.

6. Underinsured motorist
Similar to uninsured motorist, but applies to injury caused by an underinsured driver. State laws may vary as to application.

7. Rental reimbursement
Self explanatory, pays rental expenses for another auto if your vehicle is disabled due to an accident.
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