Car insurance typically offers several types of coverage:
1. Liability Coverage: This coverage pays for the damages and injuries you cause to others in an accident for which you are at fault. It includes bodily injury liability (covering medical expenses, lost wages, and legal fees) and property damage liability (covering repairs or replacement of damaged property).
2. Collision Coverage: This coverage pays for repairs or replacement of your own vehicle if it is damaged in a collision, regardless of who is at fault.
3. Comprehensive Coverage: This coverage protects your vehicle against non-collision incidents such as theft, vandalism, fire, natural disasters, or falling objects.
4. Personal Injury Protection (PIP) or Medical Payments Coverage: These coverages provide medical expenses coverage for you and your passengers in case of injuries sustained in an accident, regardless of fault.
5. Uninsured/Underinsured Motorist Coverage: This coverage protects you if you are involved in an accident with a driver who has no insurance or inadequate coverage to pay for the damages.
The specific terms, conditions, and coverage limits of car insurance policies can vary depending on the insurance company and the policy you choose. It is important to review the policy details carefully and understand the coverage and exclusions before purchasing car insurance.
