Most of us have auto insurance and know generally how it works. But, what about other types of insurance? In different states, these coverages range from optional or mandatory. If you want to update your current auto coverage, you must be familiar with the different ones available. To help you out, the following is a comprehensive guide to the common types of car insurance and their coverage. Liability Coverage Insurance
In the United States, liability insurance is mandatory. This auto insurance covers property damage and bodily injuries that made you legally liable. Bodily Injury Liability Insurance Road accidents may happen anytime. And there’s a chance that you may be the reason behind this road mishap. This auto insurance will cover all the expenses if someone gets injured because of the accident you caused. Collision Coverage Insurance Collision coverage is another auto insurance type that covers the expenses associated with your property or vehicle damages. This includes any destruction caused by a vehicle collision or hitting a tree or other stationary objects. Personal Injury Protection Insurance or Medical Payments If you can’t go to work because of severe injuries, this type of insurance can pay you for lost wages. The Personal Injury Protection Insurance covers all the medical expenses you will need for treatment caused by a car accident. If your passenger is extremely hurt, which leads to his death, PIP insurance will cover the funeral bills. Comprehensive Coverage Insurance Comprehensive car insurance will reimburse you if your vehicle is lost or damaged for other reasons beyond collision. For instance, this type of auto insurance covers damages caused by falling objects, animals, or fire. Summary Car accidents may happen anytime. An auto insurance policy will help you pay all the damages caused by the collision you are involved in. At Black and Associates Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (509) 464-0058. Get your free quote today by CLICKING HERE. The coverage discussed is not guaranteed. Please contact our agents to make sure you have adequate coverage and your needs are being met. We are happy to help!
3 Comments
It really helped when you said that we can get a reimbursement when our car is damaged or lost if we get comprehensive coverage from an auto insurance provider. I will consider that now that I plan to buy my first car this year. It will be perfect for me when I get one because I have no garage at the moment, so the vehicle will just be parked on my front yard.
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3/14/2023 08:53:31 am
I like what you said about road accidents happening at any time. My cousin was just in an accident the other day. He should probably increase his life insurance coverage.
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8/1/2023 04:45:07 pm
Not long ago, my younger cousin said he'd like to buy his first car in a couple of months. I believe he'll need to get the car insured before driving it to avoid any financial loss in case of an accident. That's why I'll share your insight with him to show him all the types of auto insurance policies available.
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