Car insurances (also known as auto insurances, vehicles insurances, GAP insurances, or motor insurance) is insurance purchased for road vehicles like cars, motorcycles, trucks, and others . Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. The specific terms of vehicle insurance vary with legal regulations in each region.
Types of Car Insurances Coverage
Virtually every state has different policy about minimum amount of liability insurance, but the default required coverage is pretty low. To be safe, you should buy additional coverageto protect your assets – it can end up saving a lot of money in the long run. Bellow is list of basic coverage you should know about car insurances Coverage
– Bodily injury Liability (required): This auto insurances coverage cover injuries, including fatal ones, that you, as the insured driver cause to someone else.
– Property damage liability (required): Damage your car may cause to someone else’s property – other cars, fences, buildings, lamp posts, …
– Medical payments or personal injury protection (PIP) (required): The treatment of your own or your passengers’s injuries. Especially PIP also covers lost wages as well as the cost of replacing essential services normally performed by the injured party (e.g. housework).
– Collision coverage (optional): An accident with another vehicle, or an object like a tree or sign post. Collision coverage is generally sold with deductible – the higher your deductible, the lower your premium.
– Comprehensive coverage (optional): Damage caused by fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot or contact with animals (birds, deer, elephant, …) This coverage sold with deductible.
– Uninsured/underinsured motorists coverage (often required): if an uninsured or hit-and-run driver hits you or your car – or if the other driver is at fault in an accidents and does not have enough insurance to cover your damages. May also protect you if you are hit as a pedestrian.
– Rental car reimbursement (optional): An add-on to your auto policy – this coverage will pays for a rental car while your own car is being repaired due to covered damage.
As I mentions above, each state requires a different amount of minimum coverage. You should learn about this policy and notify to your Insurance company as soon as possible when you move to a new state. It is helpful for you to check out that your car insurance company offer coverage in your new state. Some company provide coverage worldwide while others don’t.
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