Car insurance is mandatory in most countries. It covers you from unforeseen risks—including car accidents, fire, theft, personal injuries, and even death. It should protect you from unexpected accident-related costs. However, car accidents are divided into different components. The following are common components of a typical auto insurance policy.

Liability Coverage

In most states, all drivers are required to have auto liability coverage. Normally, liability coverage houses two main components:

• Bodily injury liability—this component helps drivers offset costs that arise from another person’s injury. So, if you have been involved in an accident and injured another party, this component will explicitly cover this cost.
• Property damage liability—this is a coverage that covers you from expenses that arise from damaging someone else’s property. Thus, if you have hit a house or damaged another person’s car, this cover will help you offset the costs that arise.

 Uninsured Vs. Underinsured

Another common component of this insurance cover is the uninsured and underinsured motorist cover. Uninsured coverage is a cover that helps you deal with expenses arising from a driver with no insurance cover. For instance, if you collide with a driver who doesn’t have any insurance cover, this coverage will cover the expenses of repairing your car. On the other hand, if underinsurance coverage covers you from a driver with limited liability. This means that if you hit a driver and the cost exceeds his/her insurance limits, this cover will help you offset the cost of repairing your car. It’s also important to note that this component is not limited to car damages. It also covers things like injuries and deaths. This component is optional in some states.

Comprehensive Coverage

With a comprehensive insurance cover, you have a coverage component that can cover your car against extreme weather conditions, theft, and even vandalism. For instance, you have packed your car somewhere in town and then a tree branch falls on it. It will damage it, right? So, whom do you run to? An insurance company, right? However, if you don’t have a comprehensive insurance cover, you might not be compensated. You will have to cover the expense of repairing or purchasing a new car from your pocket. A comprehensive insurance cover covers vehicles from theft, fire, vandalism, as well as hail. Normally, this type of coverage is optional.

Collision Coverage

Collision coverage covers drivers against the effects of a car collision. This includes colliding with a fence, animal, and other objects. This type of coverage is optional in almost all states. But it’s good to have it if you love your car. Get the best insurance quote and protect your car from a collision.

Other Components

Other components include:

• Medical payments coverage
• Personal injury protection

The Bottom-Line

Want to leverage your auto car insurance policy? Well, then start by understanding the types of components in a car insurance policy. The above are common components of an auto car insurance policy. From liability to collision coverage—understanding this component is key when it comes to taking an auto insurance cover. So, if you want to ride with confidence, get car insurance with the right components.

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