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Types of Auto Insurance
First, we have collision coverage. Having collision coverage ensures that you are covered in case you were to be involved in a collision involved accident. Even if you are at fault, you would still be covered. Depending on what your deductible is, you will pay out of pocket for what the deductible amount is, and the rest will be taken care of. For example, let’s say you are involved in an accident, and the total cost of damages comes out to $700, if your deductible is $200, you will only pay the deductible and the rest will be covered by the insurance.
Let's discuss liability next. Liability coverage comes into play to cover accidents that you are at fault. This will cover medical cost, and property damage that has been caused. Liability insurance is critical because it protects you from lawsuits if you are sued after an accident.
Also as important as the previous two is comprehensive coverage. Comprehensive applies to anything that might happen to your car that is not accident related. For example, you have theft, vandalism, falling rocks or branches, storm damage, flood damage, and more as well.
You want to prioritize getting uninsured/ under-insured motorist coverage. Even though you are insured, doesn’t mean other drivers are as well. If you are involved in an accident and the other party doesn’t have insurance, then you would be covered under this coverage.
Lastly, we have PIP (Personal Injury Protection). PIP covers any medical costs that may be incurred by you or your passengers as a result of an accident.
How Quotehound will help
Quotehound is here to ensure that you find the right auto insurance provider best suited to your needs. We take care of all the behind the scenes work to ensure that you find the best insurance available to you. We will have a quote for you in as fast as two minutes. Quotehound uses the best software available to us to ensure that you are connected to the right provider. Don’t go another day without insuring your vehicle. Make the right decision today and get your FREE quote with Quotehound.