Car insurance protects the policy holder (usually the driver or owner of the vehicle) from financial loss in the event of a car accident. For this protection the plan holder pays a monthly premium which varies according to several factors like the driver’s age, the type of vehicle, the driver’s record and location to mention a few.

There are several different forms of car insurance to protect the plan holder against costs associated with damage to the vehicle, damage to property and injury to persons involved in an automobile accident. The different forms of cover include:

Liability cover which will pay for damages to others or their property as a result of an auto accident and that additionally covers any court costs involved. In the majority of states liability cover is the bare minimum required before you can take a car onto public roads.

Collision  cover which pays for damage caused to your vehicle during a collision with another car or object.

Comprehensive cover which will pay for various types of damage including theft, fire, malicious mischief and extreme weather conditions.

Medical cover which will pay for any medical expenses for injuries sustained in a car accident.

PIP (Personal Injury Protection) cover which is designed to pay for medical expenses when an injury is sustained during a car accident, regardless of who is responsible for the accident.

Uninsured and under-insured cover which provides payment for damages sustained to you if the other driver involved in a car accident is uninsured.

Each state draws up its own set of rules governing car insurance and some types of car insurance cover are mandatory in a particular state while others are purely optional. For instance, some states only require you to have liability insurance while other states insist upon personal injury protection insurance cover.

In addition there are various states that are considered ‘no-fault’ states where insurance policy holders are able to recover financial losses from their own insurance company, irrespective of who is deemed to be at fault in an auto accident.

Make sure that you are carrying the right form of car insurance by letting the professionals give you a free and no-obligation cheap car insurance quote today.

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