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Car insurance. Every driver needs it, but different plans and rates can get so confusing that the average driver could get lost in all the terms. Accidents happen whether we want them to or not, so be prepared and know what type of auto insurance you have and what all those terms in your policy mean.
Unfortunately, many drivers today will experience some type of misfortune with their car sooner or later. Such misfortune could be the result of one’s own negligence or could be due to circumstances such as someone else’s negligence, in which they have no control. That’s where car insurance comes in. It protects the driver’s car in situations of theft or accident. There are many different types of insurance policies to cover different needs for different types of cars. Here are some of the basics.
Of the different types of car insurance, liability insurance may be the most prominent type. Liability insurance is a compulsory type of insurance in most state laws. This type of insurance protects one against the cost of damage and injury that one can cause to another vehicle in a car accident. Liability insurance policies are often described by three numbers, separated by slashes. The first number (all relating to numbers in the thousands) would be the dollar amount of injury to another person, the second the dollar amount of injury to everyone, and the third the amount of property damage that is covered.
Medical Payments Insurance
This insurance for cars protects one for the immediate care of injuries received from a car accident. No matter who was to blame for said accident, the driver, their family members, and any other passengers in the car are covered.
Uninsured and Underinsured Motorist Insurance
These two types of car insurance protect when a person when in an accident with another person whose liability insurance coverage is not enough, when the other individual is underinsured meaning the driver responsible has no liability coverage, or underinsured meaning the cost of injuries exceeds that driver’s coverage. The majority of states in the U.S. do not require for drivers to have either type of insurance.
This type of insurance covers costs when you are the person responsible for the accident. This type of insurance is not mandatory by any state law.
This type of insurance covers harm to one’s car caused by unknown forces. These forces can include things such as: vandalism, natural disasters (such as hurricane and flood), fire and theft.
There are also extra car insurance features that a driver could decide to get as part of their policy, if they want. Extras can include towing insurance, auto glass insurance, daily rental insurance and emergency roadside insurance. These extras in one’s policy are in no way considered necessary by any state, but can provide a driver with a few extra safety precautions.
Finding an insurance quote for your car that is right for your needs can be more difficult than one may think. People may be tempted to just get the bare minimum, but sometimes it is to the driver’s advantage in the long run to get the extra coverage. With the popularity of the Internet, people can even search for insurance quotes online and sift through all their options. Netquote.com is one such site that assists in these services. While this site does not sell insurance for cars, they offer the customer some good suggestions for them to look through and get an insurance that best suit them.