What Kind of Car Insurance Drivers Really Need to Be Properly Protected?

LOS ANGELES, July 31, 2019 /PRNewswire-PRWeb/ -- Compare-autoinsurance.org has launched a new blog post that explains how drivers can obtain proper and cheaper car insurance United States
For more information and free online car insurance quotes, please visit https://compare-autoinsurance.org/how-much-car-insurance-coverage-do-you-need-to-be-properly-protected/

To legally drive in the US, drivers need car insurance. The minimum car insurance requirements are different in every state. Besides purchasing the state's minimum required coverage, drivers can purchase additional coverage in order to be better protected in various situations.

The types of insurance that can protect the drivers are the following:

    --  Liability insurance. It will pay for the damage caused to someone's car
        or property by an at-fault policyholder. Liability insurance has two
        components. The Bodily Injury Liability will pay the medical expenses of
        a person that got injured by the policyholder, while the Property Damage
        Liability component will pay to repair the damage done to someone's else
        property. A minimum level of liability insurance is mandatory in all
        states.
    --  Personal Injury Protection (PIP). This coverage will pay for the medical
        bills of a policyholder and his passengers, even if the policyholder is
        at-fault in the incident. Drivers that do not own health insurance are
        strongly recommended to get this coverage. In some states PIP insurance
        is mandatory. PIP insurance will also pay for the policyholder's lost
        wages.
    --  Collision and comprehensive coverage. Usually, these policies are sold
        together by insurance companies. Collision insurance will reimburse the
        costs to repair or replace the policyholder's vehicle, even if he was
        at-fault in the accident. Comprehensive coverage will cover the damage
        resulted from incidents that are not related to collisions, such as
        vandalism, theft, fire, extreme weather events, etc. Drivers that live
        in dangerous zones, own an expensive vehicle, or just want to be better
        protected should get these coverages. To save money on these coverages,
        drivers can set a higher deductible.
    --  Uninsured motorist/underinsured motorist (UM/UIM) insurance. This
        insurance will pay for the medical expenses and other costs when the
        policyholder gets hit by an uninsured driver. Drivers that live in
        states with a high number of uninsured drivers, should consider getting
        this coverage.
    --  Gap insurance. This insurance is typically applied to financed vehicles.
        Gap insurance is a type of coverage that covers the difference between
        what a driver owes on the car and what is worth at the time of the loss.

For additional info, money-saving tips and free car insurance quotes, visit https://compare-autoinsurance.org/

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