Types of Car Insurance
Types of Car Insurance
Cars do not crash just because of young inexperienced and inattentive drivers. They take place every day and to even the best of drivers. Say for example you are traveling from taking your kids to school, a traffic jam meets you ahead and you join the line of endless vehicles all honking and smoking. You cannot reverse or try and manoeuvre your way out because traffic is all over and no one seems to be going anywhere. The bus in front of you begins reversing coming to you. You honk warning him to look out behind, but he doesn't stop and comes ramming on to you bonnet. In this case you could have been the best driver, but here you are in an accident.
Another example would be that you stop at a traffic light just behind another vehicle. The light turns green and you both start moving and accelerate gradually, but a bicycle rider from nowhere jumps in front of the vehicle ahead. The driver ahead suddenly stops, but you do not see any of this and you accelerate right into the vehicle. This is what happens on a daily basis and should this happen, you have to pay.
After all this, the next question is are you covered? Do you even have the money to fix your vehicle or the other driver's vehicle, provided you where the cause of the accident? When something unexpected happens to you, car insurance will protect you and help you fix and repair the damages done to your car.
Although the law does not require that drivers have car insurance, certain states and regions have regulations regarding minimum insurance laws which drivers ought to know. Driver's books usually carry that kind of information.
The minimum insurance liability coverage by states are of three types and they will be outlined below.
1. Property damage liability: the repairing and the replacement of property belonging to other people should you be the one responsible for the particular accident.
2. Bodily injury liabilities offer coverage to other people's injuries and death that is if you are the one held responsible for the accident.
3. Uninsured motor coverage is that type of insurance in which you are covered where in the case that another driver who caused the accident has little or no car insurance.
There are other kinds of insurance which can offer greater help for you in the replacement and repairing of your car and in paying for medical expenses incurred. These types of insurance are not mandatory by law, but are very necessary.
1. Collision coverage offers coverage for the repairing of your car in the case of an accident in which you are liable for.
2. Comprehensive pays for the replacement and the repairing of your car in the case of an accident not caused by you, but rather by a 3rd party or what is known as an act of God. Such as a volcano, tornado and a hurricane.
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