Types of Car Insurance Coverage Explained.
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Liability Insurance:
Covers bodily injury and property damage costs if you're at fault in an accident.
Collision Coverage:
Pays for repairs to your car in case of a collision, regardless of fault.
Comprehensive Coverage:
Protects against non-collision events like theft, vandalism, or natural disasters.
Uninsured/ Underinsured Motorist Coverage:
Check for available discounts, such as safe driver, multi-car, or bundled policies.
Personal Injury Protection (PIP):
Covers medical expenses and other related costs for you and your passengers, regardless of fault.
Medical Payments Coverage:
Similar to PIP, it covers medical expenses resulting from an accident, but typically has more limited scope.
Gap Insurance:
Pays the difference between the actual cash value of your car and what you owe on your loan if your car is totaled.
Rental Reimbursement:
Covers the cost of renting a car while yours is being repaired after a covered accident.
Towing and Labor Coverage:
Provides assistance for roadside breakdowns, including towing and other labor costs.
Classic Car Insurance:
Tailored for vintage or collectible cars, offering agreed-upon value and specialized coverage.
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