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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