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Buying the right coverage without compromises

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Auto insurance is mandatory for all drivers in USA, even if it is a rented car. There are many different auto insurance policies available and many different auto insurance companies to choose the policies from. Some of the basic auto insurance policies that can make all the difference while driving on the road are listed below:

  • Third party liability: this is the mandatory insurance that every driver must carry, and protects the other drivers on the road against vehicle damages in case of an accident. Third party liability however does not protect the policy holders. In case there is an accident with the other vehicle and the driver of the other vehicle does not have liability insurance, then it becomes difficult to cover the damage expenses.
  • Comprehensive and collision insurance: Collision insurance covers all kinds of vehicle damages resulting from an accident, or collision of any kind. Collision with other vehicles or with any other thing is covered, even if the policy holder is at fault. This offers protection for the driver in case the driver from the other vehicle does not carry liability insurance. Comprehensive insurance offers protection against natural disasters like hurricanes, earthquakes, floods, even heavy rains, snow and other damage causing weather conditions. It also protects the vehicles against damages from riots, fire damages, and other vandalisms. Comprehensive and collision insurance work great together, so buying them together is recommended. Together they provide all the protection needed on the roads. Most insurance companies provide great discounts when policies are bought together.
  • Uninsured motorists insurance: uninsured motorist insurance covers the policy holders against damages in case of collision with other vehicle, even if the other vehicle driver does not have mandatory liability insurance.
  • Medical liability: This is an important policy to complete the coverage. This covers all the bills of the any medical treatments received due to the accident. The policy holders get the complete or partial amount of the bill depending upon the treatment. This protects any family members present in the car at the time of accident as well.

Purchasing insurance policies according to the requirement is a good idea. A good insurance company must always customize a policy according to every individual customer’s need. Monthly premium rates always depend on the insurance policy purchased and so many tend to buy only the bare minimum that is mandatory. But buying adequate insurance is necessary to have a stress free drive on the road with minimum risks.