Whenever we take our car out on the roads, we wouldn’t want to encounter any unfortunate circumstance which can pose a threat to your car. This is why a car insurance comes in really handy in such cases by offering protection in the event of an unfortunate incident. Here are some of the most important car coverages that you can make use of to protect yourself in case of a difficult situation -
Liability Coverage
This is found in most parts of the country and is also the most common. It is mandatory for car owners to purchase the minimum amount of liability cover as has been mandated by state laws. Liability coverages are of two types -
- Bodily injury liability - this helps the person claim the costs which arise from injury caused to another person
- Property damage liability - this is helpful in scenarios wherein you may have incurred damages to somebody else’s car while driving it.
Comprehensive Car Coverage
Read Also: What are the Different Types of Car Insurance Coverages?
Such a motor insurance helps car owners recover the costs incurred due to theft, vandalism, and even natural calamities. Should your comprehensive insurance plan cover the costs of the damages and as such you will be able to repair or replace the parts of your car without the need to dip into your savings. However, unlike liability coverage, comprehensive car coverage is optional.
