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The Importance of Car Insurance Comprehensive Coverage

Car Insurance Coverage

Car Insurance Coverageand the Importance of Higher Coverage Amounts

Types of Car Insurance Coverages

Liability Coverage

Mandatory coverage for property damage and injuries caused by an accident that was your fault

Uninsured/Underinsured Motorist (UI/UM) Coverage

Pays for property damage and injuries in situations where the at-fault driver has too little or no insurance coverage at all, as well as crashes with hit-and-run drivers

Collision Coverage

Optional coverage for damage to your own vehicle

Medical Payments Coverage

Optional liability-neutral coverage for medical expenses after a collision

Comprehensive Coverage

Optional coverage with a deductible that covers fire, hail, vandalism, and other property damage besides what results from collisions

Towing and Labor Coverage

Optional coverage paired with comprehensive coverage to cover towing, labor, and miscellaneous costs

Why Choose a Higher Coverage Amount?

  • Family type, gender, age, educational background, driving history, credit scores, and more impact insurance premiums.
  • The right insurance plan is an optimal balance between coverage, premiums, and deductibles.
  • Higher coverage amounts are uniquely beneficial, as they protect more types of injuries and damages in case of accident.
  • Higher liability limits can help you protect assets if you are liable for a crash.
  • UM/UIM coverage with higher limits can play a crucial role if you suffer catastrophic injuries in a crash that was caused by a driver with too little liability coverage, no insurance at all, or by a hit-and-run driver.
  • You may be able to purchase significantly more coverage for only a few extra dollars per month.

Car Accidents and the Importance of Insurance

Car Accidents and the Importance of Insurance

Every U.S. state requires varying degrees and types of car insurance.

Car Accidents and the Importance of Insurance

Insurance helps protect yourself, others, your vehicle, and other property in case of an accident.