Car Insurance Coverage Types Explained in a short presentation

1. Car Insurance Coverages For more information please visit carinsuranceguidebook.com

2. Car Insurance Coverages Seem Complicated? • They might sound complicated, but are really pretty simple. • Knowing these coverages will help you get the best insurance protection tailored for you and your lifestyle. It will also help you avoid unnecessary coverage andget a lower price. Full Coverage? Uninsured/Underinsured? Liability Coverage? PIP - Personal Injury Protection? Comprehensive Coverage?

3. Comprehensive Coverage • Covers damages to a vehicle that are not caused by a collision. • Who should get it? • Those who want coverage to pay for damages done to their vehicle from incidents like hitting an animal, windshield damage and other glass claims.

4. Emergency Road Service • Covers if the vehicle breaks down on the side of the road. • Coverage would be given in the form of towing, someone to come out and replace a bad tire, or also for someone to bring you gasoline. • Who should get it? • Anyone who wants the peace of mind that someone will come help them when they are on the side of the road.

5. Full Coverage • A term used to describe when a vehicle has both the required liability insurance and also coverage for damages to the vehicle itself (comprehensive and collision coverages) in place. • Who should get it? • Those who want the damages to their vehicle and any damages to the other person or their vehicle to be covered in the event of an accident. • Anyone who has a loan on their vehicle • When To Drop “Full Coverage” Insurance? Read full article on our website

6. Liability Coverage • Insurance that pays for medical bills and damages to another person’s property that are caused by you. (Property damage liability coverage and bodily injury liability coverage) • Who should get it? • Everyone. It is required by law in almost all 50 states.

7. Medical Payments • Pays for the medical bills that may be incurred for your family or the passengers in your vehicle in the event of an accident. • Who should get it? • People who don’t want to take the risk of incurring costly medical expenses. Note: This coverage is also available if a member of your family is hit as a pedestrian by a vehicle.

8. Personal Injury Protection (PIP) • Same as the Medical Payment Coverage, but also covers loss of income and other financial hardships that you may face. • Who should get it? • It is used by people in situations where an accident occurs without anyone at fault.

9. Rental Reimbursement (Loss of Use) • Rental reimbursement coverage is an optional coverage that helps you pay to rent a car if your own vehicle is not drivable after a covered loss. • Who should get it? • Drivers who cannot afford to be without a car.

10. Uninsured/Underinsured • Optional coverage offered on an insurance policy that covers damages or injuries caused by another party who has no insurance or does not have enough insurance coverage for the accident costs. • Who should get it? • Anyone who wants to be protected from whose that illegally drive around without insurance coverage.

11. Drive Safe! For more information please visit carinsuranceguidebook.com