Guide auto insurance covering
Car insurance can protect you in case of accident or damage your vehicle, but many people do not know how many reports are needed. Here is some information to help you choose the right type and the right amount of car insurance to protect you while you are driving.
Adequate insurance coverage is essential to the provisions of the law in most countries. You can choose the minimum insurance coverage required by law, but can not fully protect you if you cause an accident. To protect your interests, to better fulfill the minimum insurance coverage above.
Most auto insurance companies offer a variety of coverage options to protect you and your passengers, vehicles and other drivers, including:
Uninsured / underinsured motorist
Protection against personal injury (PIP)
Losses and material losses caused by system crash, if it determines your insurance liability, and must in all countries, in addition to New Hampshire. Liability insurance does not cover damage to the vehicle occupants or damage to your vehicle. If you have a single limit of your policy, your policy should cover no less than 100,000 per person and $ 300,000 per accident and $ 50,000 property damage, or not less than $ 300,000. You assume most of your insurance claim, then consider buying additional insurance, if you can.
Collision damage to your vehicle in an accident insurance payments. If your car is completely destroyed, you will receive the insurance companies consider what is the market value of your car before the collision, minus the deductible.
All risk insurance
Complete coverage of your vehicle is stolen and the collision damage to your car, as well as animal conflicts. If your vehicle is equipped with anti-theft tracking device, you may be eligible for discount auto insurance.
Liability insurance, collision and this kind of financial company is required to buy or lease a vehicle. There are other types of insurance, you may want to include in your car insurance coverage, including:
Uninsured motorist or underinsured motorist protection is required in many countries, including your occupants of the car were injured, and if the other driver has insurance or not enough. Jurisdiction in the event of an accident, the insurer has paid uninsured motorist can pay and injured the driver will be entitled to the difference between the two.
Medical insurance coverage for you and your passengers, regardless of fault.
Protection against personal injury (PIP) coverage auto rental insurance and roadside assistance, including the provision of additional protection.
Coverage umbrella "Umbrella", a policy on how to protect the main content of the assets of the insured, more broadly, and to provide additional protection to the limit of your car insurance, in unexpected circumstances.