Jan 4, 2021

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Guide to Common Types of Car Insurance

Car insurance is insurance on motor vehicles, specifically auto insurance. Its primary function is to provide financial coverage against bodily injury or physical damage resulting from vehicular accidents and also against liability which may also arise from other incidents occurring in a car. In the United States, the law clearly states that everyone must have at least the minimum liability car insurance required by law so that if a motorist gets into an accident, he or she can be covered and compensation can be gotten for the damages or injuries incurred.Feel free to find more information at Insurance Pros AZ, Avondale.

The law requires all car owners to acquire liability coverage. This coverage, which is called bodily injury or bodily damage, pays for the medical expenses, damages to property, and pain and suffering that following an accident involving a vehicle and any other person.

Other types of car insurance are personal injury protection which covers the cost of lost wages and funeral expenses if a family member is injured in an accident. There is also comprehensive coverage, which takes care of the expenses caused by theft or vandalism of the car, which means all the repair costs for the vehicle are paid by the policy holder. And uninsured motorist coverage, which pays the expenses and losses that occur as a result of a motorist being injured in an accident with another driver who is not insured under a car insurance policy.

Apart from these, there are other common types of car insurance such as underinsured motorist coverage which covers drivers who have been in an accident wherein the other driver has no coverage or minimal cover and is underinsured or uninsured. Underinsured motorist coverage pays for the expenses that are incurred by drivers who are driving with insufficient or no coverage and those who are driving vehicles that are not insured under a car insurance policy. This type of coverage usually gives drivers the option of choosing the deductible they want. There are also comprehensive coverage and collision coverage, which pays for damage due to collision with another vehicle. Comprehensive coverage, on the other hand, covers a wide range of damages that can be incurred in an accident such as medical bills, payment for the tow of vehicles, payment for damages to other cars or property, etc. Collision coverage, on the other hand, usually pays for damages incurred in cases where the other vehicle is deemed to be faulty or has been driven with defects that lead to the accident.

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Insurance Pros AZ
12725 W. Indian School Rd #F101, Avondale, Arizona 85392
(623) 850-3048

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