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What Are The Usual Car Insurance Options

If you are a driver, you will not only need auto insurance coverage for your own safety and financial purposes, you will also be required to do so because your state imposes it. But knowing exactly which type of coverage should you have, and which ones are you required to have, highly depends on your unique circumstances. You may want to know what the usual car insurance options are and get car insurance quotes online free.

# how-to-save-on-auto-insuranceBodily injury and property damage liability insurance is the type of coverage by which the insurer agrees to pay damages if you injure someone or his property in a car accident. Remember that this policy reimburses only your victims, not yourself.

Collision insurance is designed to cover you and your car in the event that you are involved in an automobile accident, regardless of who caused the collision. Collision insurance provides financial resources to replace or repair your vehicle, which is subject to a deductible.

Comprehensive insurance is a type of auto insurance that covers you in the event of your car being damaged by natural causes, like storms or an earthquake or tree branch falling on your car – basically all risks not involving an automobile collision. Comprehensive coverage pays to repair your vehicle, which is subject to a separate deductible.

Medical payments insurance is a feature providing a limited amount of coverage for you and your passengers’ medical expenses in case an accident happens. The coverage pays regardless of who is at fault.

Uninsured and underinsured motorists liability coverage works like this: if you are involved in an accident with another driver who does not have any or enough liability coverage, uninsured or underinsured motorists liability coverage allows you to collect damage that you would personally suffer from the accident.

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