How Car Insurance Works?

Always expect the unexpected, we really don't know what will happen to us specially when traveling on the road. Like any other insurance, car insurance serves as the protection when car accident happen and insured us to possible losses or expenses. Car insurance companies offer several types of car insurance coverage that will protect you when accident arise, in most states it is mandatory to have liability insurance the moment you purchase a new car. There are numerous insurance policies in operation in every country, research and select the best that will suit your budget. 

 

 

Why I need car insurance?

Reasons You Need Car Insurance:

• It's in the law that we need to secure a car insurance.
• Gives you peace of mind when driving.
• To protect not just yourself but also passengers and other people.
• Covers expenses or gives financial support whenever you meet accident or your car is stolen.
• Gives you peace of mind when driving.

 

Common Types of Car Insurance

Collision Coverage for your Auto - collision coverage insurance pays the damage to your car cause by another vehicle or object. If you have a collision coverage, the insurance company will cover the expenses to replace or repair your car as well as the damage you cause to other vehicles.

Comprehensive Coverage - unlike collision coverage that covers expenses due to car accident comprehensive coverage covers damage other than accident like theft, fire, hail, vandalism ,flood and any other natural disasters.

Personal Injury Protection Insurance - this insurance policy protects you when you have personal injury cause by an accident. It also covers the expenses of your passengers and medical bills.

Uninsured Motorist Coverage - this insurance coverage pays you as well as your passengers when you are involved in a car accident with someone who has no car insurance coverage. Simply, you are the one who will pay for yourself by means of this policy option.

Rental Car Reimbursement Coverage - this policy is optional, but very useful specially if you owned a single car and you need to travel going to work or school. The insurance company will pay the cost of the car you will rent until your car is ready to use after an accident. 


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