| A car should be perceived as one of the great | | | | as a result of fire, or in case your car is stolen. If |
| assets one can have in his life. So a car and | | | | your car catches fire due to lightning or an |
| insurance should be inseparably linked together. A | | | | explosion, this coverage pays to repair or replace |
| general car insurance policy usually provides six | | | | your vehicle. |
| types of coverage including the following: | | | | Physical Damage Coverage: Physical damage |
| Liability Coverage: Liability insurance does not | | | | coverage has three other types of coverage: fire |
| cover any expenses, related to damage to your | | | | and theft, comprehensive and collision. Once your |
| property, or any injuries. It pays for those, | | | | car is paid off, this coverage may become |
| suffered by the other parties in an accident for | | | | optional. |
| which you are found to be at fault. | | | | Personal Injury Protection: Personal Injury |
| Property Damage Liability: Property damage liability | | | | Protection is a complement to bodily injury liability |
| does not cover damage to your own property. | | | | coverage. It covers approximately 80 percent of |
| When you are found at fault in an accident, and | | | | medical expenses including rehabilitation, funeral |
| your vehicle has damaged someone else's | | | | costs, and lost wages. But where it differs from |
| property, it pays off. | | | | bodily injury liability is that it covers you, your |
| Bodily Injury Liability: If you are found at fault in | | | | passengers, or anyone authorized to drive your |
| an accident, which resulted in injury to another | | | | vehicle. |
| party, bodily injury liability coverage pays off for | | | | Underinsured Driver Coverage: Underinsured |
| the damage. It does not cover your own injuries, | | | | Driver Coverage protects you if you are involved |
| or those of any other driver included on your | | | | in an accident with a driver who carries the legal |
| insurance policy. | | | | minimum amount of liability insurance, but there |
| Comprehensive Coverage: Comprehensive | | | | will be no extra insurance to cover all your losses. |
| coverage covers almost any type of loss that | | | | Uninsured Driver Coverage: Uninsured Driver |
| may occur, but not as a result of an auto | | | | Coverage pays in an accident with a driver who |
| accident. This can be the damage from severe | | | | carries no auto insurance whatsoever; carries |
| weather such as tornadoes, hurricanes, or hail | | | | insurance coverage that falls below the state's |
| storms, or natural disasters such as earthquake, | | | | required minimums or is insured by a company |
| flood, or fire. | | | | that is financially unable to cover your losses or |
| Collision Coverage: Collision coverage comes into | | | | hits you and flees the scene. |
| action when your vehicle gets involved in any kind | | | | Apart from these, there are Gap Auto Insurance, |
| of collision, whether with another vehicle, a | | | | Rental Car Insurance, and Pay-Per-Mile Coverage |
| building, a guardrail, or any other stationary object. | | | | which you can opt for depending on your needs |
| Fire and Theft Coverage: Fire and Theft | | | | and preference. |
| Coverage applies when your vehicle is damaged | | | | |