What are the basics of car insurance coverage?


Car insurance coverage comes in various types. Still, it would not be difficult to decide which type of car insurance coverage would suit a particular person. At the outset, the exact needs that are required to be protected should be assessed. Normally, the car insurance coverage is purchased to protect the insuring person and the family members from losses due to injury and property damage in case of an accident, as well as the losses of other persons involved in the accident. In general, car insurance coverages are of two types, liability coverage and physical damage coverage. Normally, the following car insurance coverages are available in all the states.

  • Bodily injury liability coverage
  • Property damage liability
  • Comprehensive coverage, other than collision, COMP, and OTC
  • Collision coverage
  • Uninsured motorist bodily injury coverage
  • Underinsured motorist bodily injury coverage
  • Uninsured motorist property damage coverage
  • Underinsured motorist property damage coverage
  • Personal injury protection coverages
  • Additional personal injury protection coverage
  • Personal injury protection plans
  • Basic reparation benefits
  • Additional reparation benefits
  • First party medical benefits
  • Medical payments coverage
  • Work loss coverage
  • Loan/lease GAP insurance
  • Rental car reimbursements
  • Towing and labor coverage
  • Accidental medical protection plans
  • Accident death benefits coverage