What Are The Top Car Insurance Policies That Drivers Should Buy

LOS ANGELES, Nov. 4, 2020 /PRNewswire-PRWeb/ -- Car insurance is a necessity for drivers who own a vehicle and want to legally drive in the US. A car insurance plan can include several different kinds of coverage. There are many types of coverage that can protect drivers in different situations.

The most important types of coverage are the following:

• Additional liability car insurance. In almost every state, liability insurance is mandatory. This policy is used to protect the other drivers on the road from the damage caused by an at-fault driver. Liability coverage has 2 parts: bodily injury liability and property damage liability. Bodily injury liability will pay for the medical expenses, pain, and suffering caused by an at-fault policyholder. Property damage liability provides coverage for the damage caused by a policyholder to other people's property. Drivers should avoid buying the minimum liability insurance. Drivers should carry high enough liability coverage to protect their assets in case of an accident.
• Collision insurance. This coverage will reimburse the policyholder for any damage sustained by their vehicles in a collision with a vehicle, tree, mailbox, lamp, or something else. Even if the policyholder is at-fault in the incident that damaged the vehicle, he/she will be reimbursed. Collision coverage is not required by state law, but drivers who own new and valuable cars should consider buying it.
• Comprehensive auto insurance. Comprehensive coverage will be used to cover the cost to repair a vehicle that got damaged in incidents that are not related to a collision. There are many different scenarios where a vehicle can get damaged, or even destroyed. Events such as vandalism, riots, fires, floods, tornadoes, hailstones, storms, or falling objects can seriously damage a vehicle and in some cases, the vehicle is declared as a total loss. Comprehensive coverage will also pay if a car is stolen.
• Personal injury protection. PIP insurance is required by law in some states. This coverage covers the medical costs of the policyholders and their passengers, regardless of who as at-fault in a car accident. Besides medical expenses, PIP insurance can cover lost wages, funeral expenses, in-home services, and child-care expenses.

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