The very definition of insurance is to take care of you are covered in situations that cannot be predicted and can spell disaster. However, a lot of car drivers in the country seem to take their auto insurance for granted going only for the liability insurance that is mandated by law. However, disasters cannot be predicted and it is always better to spend a small amount of money as auto insurance premium and avoid major expenses in the form of car damage and medical expenses. Here are a few types of auto insurance coverage which you should look to get to ensure you have ample protection while driving your car.
Comprehensive coverage
If you live in an area known for its cyclones or other natural disasters like extensive rains and floods or earthquakes, then comprehensive coverage will ensure that you don’t need to be worried about your car at least. It covers for all unforeseen situations and is the best coverage to go for if you can afford it over and above the liability insurance. You can go for collision insurance too that will protect you when you are involved in collisions with immovable objects like walls, stones or trees.
Uninsured motorist insurance
The law mandates every car owner to have a liability insurance which will cover for the medical costs and car damage repairs of the other party in accidents where the former is at fault. However, there are several uninsured motorists on the road and the very fact that they don’t carry insurance, thus disobeying the law, partially indicates their recklessness. The uninsured motorist insurance will ensure that you have coverage when you are involved in an accident caused by an uninsured motorist.
No-fault insurance
The no fault insurance is actually a misnomer because a lot of people tend to think that it covers for accidents when you are not at fault. However, it works the other way round. When you are involved in an accident and have to take care of medical expenses and car damages, you wouldn’t really have the patience to chase whoever is at fault. The no fault insurance offers coverage to you in such situations irrespective of whether you or the other driver was at fault for the accident. This insurance would let you avoid court cases and borderline scenarios where it is hard to prove which driver was really at fault for the accident. It also saves a lot of time for your and anxiety, making it worth the cost.
