What are types of Car Insurance Coverage?


Car insurance might be easy to obtain if you desire to, but first you should know what coverage is right for your vehicle. Here are the lists of different car insurance coverage that will surely help you to distinguish which is the best for you.

  • Collision Coverage.
    This coverage pays for the damages done to your vehicle, due to an accident. It pays for the repair or replacement of your vehicle.
  • Bodily Injury
    This coverage pays for any injury that you cause others due to your negligence in driving.
  • Comprehensive Coverage
    This coverage gives you payment for the casualties that you incur due to theft, storm, fire, storm, vandalism, falling objects, earthquake, explosions etc. But the drawback of this coverage is that, this does not take care of the damage done to your car as a result of collision.
  • Property Damage
    This coverage takes care of the loss of other’s property while driving.
  • Medical Coverage
    This coverage takes care of all the expenses paid for medical services just in case you or any one else has injured by the vehicle. This policy covers protection for you, your family, and the passenger. It pays for the expenses for the treatment for the injury during accident, whoever made the fault. The cover includes treatment, fees for X-ray, fee for the physician, charges for surgery, for ambulance, hospital charges, and funeral expenses too.
  • Personal Injury Coverage
    This coverage provides for a broad variety of all medical expenditures in a no-fault situation. This coverage looks after the much-needed expenses of the insured person, during the time of an accident. However, this coverage too varies from company to company and state to state. A typical example of this coverage is hospital and medical expense, loss of services, continuation of income, expenses for childcare due to accident.This again does not depend who is at fault. Moreover, this coverage is available in certain states; therefore, it is advisable you check out with your state insurance department.
  • Uninsured or Underinsured Motorist Coverage
    It protects in cases when the driver is uninsured or underinsured. This policy will cover for the insured family members and passengers too. On the other hand, coverage called Cover for property damage wherein you will have to check in your state if this is applicable. This coverage will answer the expenses of the property loss due to the accident caused by underinsured or uninsured driver.
  • Deductible
    This is the cover for the sum you want to pay of a loss.