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bodily injury liability
car insurance policies
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fire flood
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legal case
The Basic Types Of Auto Insurance Coverages For Your Consideration
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All people with vehicles should find it necessary to acquire car insurance. In the United States, every driver is compelled to have one byb law. Car insurance policies come in different features that are sure to fit the needs of every driver. They also do not have the same rates as they are dependent on the features and coverage of the car insurance policies.

When you are looking for a car insurance that is right for you, there are actually several of them that you can choose from. Here they are:

1. Comprehensive Insurance Coverage.

In this type of car insurance coverage, the company will pay for the value or cost of the insured driver’s car in case it gets stolen or damaged by fire, flood or animals. However, this coverage has certain limitations and this you have to ask from your car insurance provider if ever you choose this type of coverage.

2. Liability Coverage.

This is one type of car insurance coverage that pays for the damages that an insured car driver has caused to other drivers or persons during an accident. The liability coverage consists of several levels. One of them is the Bodily Injury Liability. If, according to the result of the investigation, the insured car driver is found to be at fault, the car insurance company will pay for the medical expenses or burial expenses of the affected party. In case the afflicted party files a legal case, the company will have to provide the insured driver with his legal needs.

3. Underinsured Motorist Property Damage.

The car insurance company will shoulder the cost of repairs in case the other party involved also has car insurance, but is not enough to cover the cost of damage. The negligent party will be made to pay for the medical expenses of all people injured in the accident.

4. Comprehensive and Collision Coverage.

In case the car or vehicle of the insured driver is damaged from an accident, it will be replaced by the car insurance company. In some instances, the company will also pay the damages caused to the other vehicle involved in the accident, especially if the insured driver is not the one who’s behind the wheels.

5. Property Damage Liability.

With this type of car insurance coverage, the company will pay for the damages caused to properties during an accident, but this is only if the insured car driver is proven to be at fault


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