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What Events Are Covered By Car Insurance?

Having auto insurance is an absolute must these days for anyone who drivers a motor vehicle. Most states require having a minimum amount of motor vehicle coverage by law. Therefore, one should be motivated to get proper auto insurance by the need to obey the law, if not by plain common sense. However, not all auto insurance policies are the same, nor to they cover the same type of events. The auto insurance market is very diverse these days, and consumers have to know the basics of how it works. And the best way to choose the best type of auto insurance is to use a free car insurance quote.

# car insuranceUninsured motor vehicle auto insurance provides coverage for you, under your policy, your spouse or resident relative if injured by a negligent driver who does not have any bodily injury liability insurance coverage. Underinsured motor vehicle insurance provides coverage for you, your spouse or a resident relative if injured by a negligent driver who has bodily injury liability insurance, but not enough to pay for your damages. Comprehensive auto insurance provides coverage for a motor vehicle that is stolen or damaged by causes other than collision, such as fire, wind, hail, theft or vandalism.

Collision auto insurance provides coverage for a motor vehicle car that is damaged by collision with another object. Emergency road service coverage provides reimbursement to the insured for certain mechanical failures or other events, such as troubles with the brakes. Car rental and travel expense provides reimbursement to the insured for the costs of a rental car and other travel expenses you have to pay when you experience an event that is covered under your Comprehensive or collision coverage. Medical payments coverage provides financial coverage for medical expenses which may occur after a car accident.

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