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Car insurance protects the plan holder (usually the owner of the vehicle) from monetary loss as a result of a car accident. To receive this protection the policy holder has to pay a monthly premium which varies according to a number of factors such as the driver’s age, the car in question, the driver’s record and the driver’s location to name just a few.

There are currently several different types of car insurance to protect the policy holder against costs arising out of damage to the car, property damage and injury to persons involved in a car accident. The different types of cover include:

Liability cover which pays for damages to other people or to their property as a consequence of an accident and which additionally covers any court costs involved. In the majority of states liability cover is the bare minimum of cover required before you are allowed to drive a car on public roads.

Collision  cover which will pay for damage caused to your vehicle in a collision with another vehicle or other object.

Comprehensive cover which provides payment for various different forms of damage including theft, fire, malicious mischief and extreme weather conditions.

Medical cover which is designed to pay for any medical expenses for injuries resulting from an auto accident.

PIP (Personal Injury Protection) cover which is designed to pay for any medical expenses when an injury is sustained in an accident, regardless of who is responsible for the accident.

Uninsured and under-insured cover which provides payment for damages sustained to you when the other driver in a car accident is uninsured.

Each state draws up its own laws governing car insurance and some types of car insurance will be mandatory in each state while others will be purely optional. Some states, for instance, only require you to have liability insurance while other states require you to have PIP insurance cover.

Additionally there are a number of states which are known as ‘no-fault’ states where insurance policy holders can recover any financial losses from their own insurance company, regardless of who is found to be at fault in an automobile accident.

Ensure that you have the correct type of car insurance by letting the experts give you a free, no-obligation cheap car insurance quote today.

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