A Brief Introduction To The Most important Car Insurance Policies

Every car owner wants a cheap car insurance that will protect his vehicle. But do not pick blindly a policy. Read the following brief introduction to the most important car insurance policies.

  • happy girl in the carLiability Auto Insurance. It is a policy used to pay for accidents that you cause.  Typically it is required by state law and a minimum coverage amount is also imposed.  Liability auto insurance has 2 parts: bodily injury liability and property damage liability.  It is the best way to protect yourself from huge financial losses after an accident that you caused. Otherwise, you risk being sued by the victim and lose a series of assets in lawsuits.
  • Collision Auto Insurance. This policy will reimburse the insured for any damage sustained to the vehicle that is due to the fault of the insured driver.  So, even if it is your fault, you will be reimbursed to repair your car.  You will be reimbursed if you collide with another car, fence, building or tree.  Collision auto insurance is usually and extension of a basic policy.
  • Comprehensive Auto Insurance. This policy reimbursed the insured when his vehicle is damaged by other factors not related to car accidents.  There are so many scenarios in which your car can end up really damaged. Just a few of them: riots, vandalism, rampaging animals, objects falling from the sky and fire.  Car theft is also covered by comprehensive auto insurance.
  • Personal Injury Protection. PIP covers expenses related to injuries sustained in a covered accident. It pays for medical bills and other expenses that are not included in health insurance, such as therapeutic treatments, in-home services, prescriptions and various medical consultations or scans.  It can also be added as a supplement to a life of a health insurance. PIP covers lost wages, funeral expenses and child-care expenses.

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<a href=”″ rel=”author” title=” A Brief Introduction To The Most important Car Insurance Policies “>by Ciprian Gurgu</a>