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Car Insurance Policy Coverage

Car insurance policy coverage pays for the damages incurred when you get involved in a car accident, so better have some for your protection especially when you are always driving on the roads. There are six basic types of car insurance coverage that you may choose from and is described as follows.

1. Property damage Liability insurance coverage. In the event that you cause an accident, car insurances companies will pay, up to the amount of your car insurance coverage, the expense to repair the damage you have done to someone’s car and/or any property which may have been incurred during the car accident.

2. Bodily injury liability insurance coverage. In the event that you cause an accident, car insurances companies will pay, up to the amount of your car insurance coverage, the medical costs of the accident victims.

3. Medical payments insurance coverage. In the event that you are in an accident (regardless of who is at fault), car insurances companies will pay, up to the amount of your car insurance coverage, your medical expenses and medical expenses of any passengers in your car.

4. Uninsured Motorist insurance coverage. In the event that you are in accident (but not at fault), either with someone uninsured or a hit and run driver, car insurances companies will pay, up to the amount of your car insurance coverage, you’re medical expenses and the medical expenses of any passengers in your car.

5. Collision. In the event that you are in an accident (regardless of who is at fault), car insurances companies will pay, up to the amount of your car insurance coverage, the expense to repair your car. Note that for collision coverage there is a deductible. Also note that if your car is totaled, the insurance company will only pay you the blue book value of the car.

6. Comprehensive. In the event that your car is damaged by fire, vandalism, natural disaster, or it is stolen, car insurances companies pay, up to the amount of your car insurance coverage, the expense to repair/replace your car. Note that for comprehensive coverage there is a deductible. Also note that in the event your car is either totaled or not recovered from being stolen, car insurances companies will only pay you the blue book value of the car.

If some of this car insurance coverage items are confusing or seem to overlap, by all means consult with car insurances agent for thorough explanation and discussion of various case scenarios of car insurance coverage.

Choose the better car insurance policy coverage that suite your needs and request for auto insurance quotes in your area.

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