Want to buy a new car? Then, you have to know about the common types of car insurance which are available. It is up to you to choose the policy that is good for your car and fulfill all the needs that you want for your car. Different type of car insurance is available on www.general.com, so you can select one out of them and it can be helpful to protect you, passengers and your vehicle also if anything wrong happens with the car such as meet with an accident.
Common insurance options are provided for car insurance such as auto liability coverage, uninsured and underinsured motorist coverage, collision coverage, comprehensive coverage, medical payments coverage and personal injury protection. These coverage are mandatory wherever you live and some of these are optional too as you can skip a few. First of all, understand what is needed in your city and which of this coverage helps you the most and pick up the right one for your situation.
To know more about the types of coverage, let us have a look at all these insurance policies with the help of www.general.com as given below. Let us begin with the liability coverage.
The liability coverage of auto is compulsory in all states and it is required to purchase a minimum amount of liability coverage by the driver as per the state laws. This coverage has two components:
- Bodily Injury liability: It might be helpful to pay the expenses of another person’s injuries if you meet with an accident.
- Property Damage Liability: While driving if there is any damage to the property, then it is covered under this type of liability coverage.
Uninsured and Underinsured Motorist Coverage
If the car hit with another car who does not have any insurance, then the uninsured coverage may help to pay medical bills associated with repairs of the vehicles in few states. On the contrary, if any underinsured vehicle hits you, then they do not have any liability limits and not sufficient to cover up the medical bills. It is a situation where underinsured coverage will help. These are sometimes optional in some states.
It covers all types of damage to the car such as theft, fire, hail or vandalism. Comprehensive coverage leads to pay the repair or replace the vehicle in case of a covered peril.
If you meet with an accident or hit an object like a fence, then collision coverage will help to pay for repairing and replacing the cost of your car. Typically, it is optional and required by the lender or leaseholder of the vehicle.
Medical Payments Coverage
If your car meets with an accident, then the medical expenses of your passengers or family members are covered under this coverage. The expenses include hospital visits, surgery, X-rays and so on.
Personal Injury Protection
PIP is provided by some states and it includes all the medical payments after an accident. In some states, it is required and in others, it is not compulsory at all.