7 Types of Car Insurance Coverages | The Hartford
1. Bodily Injury Liability
Bodily injury liability coverage can help protect you against financial loss if you hurt someone in an accident. For example, if you accidentally run a red light and injure someone, this coverage can help pay for their medical treatment. Most states require you to have bodily injury liability coverage.
2. Property Damage Liability
Property damage liability coverage pays for damage that your car causes to property you don’t own. This includes fences, mailboxes and other cars. For example, if you take out a neighbor’s mailbox while driving in a heavy rain storm, this liability insurance can help pay for the damages. Most states require that you carry property damage liability coverage.
3. Collision Coverage
Collision insurance helps pay for damage done to your car if you hit another vehicle or object. For example, if you back into a tree, this coverage can help pay for the damages to your car. Collision insurance is not required by state laws, but your lender may require that you purchase this coverage.
4. Comprehensive Coverage
Comprehensive insurance pays to repair damage to your car from things like:
- Natural disasters
- Collision with an animal
For model, if you park your car under a tree and grave snow takes down a arm that breaks your windshield, comprehensive examination coverage, frequently called “ early than collision coverage, ” can help pay the cost of repairs. Just like collision coverage, comprehensive policy is not state required, but if you finance or lease your cable car, your lender may require you to have it .
5. Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage helps cover damages if you are hit by a driver who doesn ’ thyroxine have car insurance or doesn ’ t have enough car policy to cover the costs of damages and injuries. This insurance is split into three coverages :
- Uninsured motorist bodily injury coverage helps pay bodily injury costs for you and your passengers if you’re hit by an uninsured driver or a hit-and-run driver.
- Uninsured motorist property damage coverage helps pay for damage to your car if it’s hit by an uninsured driver or a hit-and-run driver.
- Underinsured motorist coverage helps pay for bodily injury if you’re in an accident with a driver that doesn’t have enough insurance.
Uninsured/underinsured motorist coverage is not required in all states. It ’ south authoritative to check your express to see what the minimum requirements are for uninsured/underinsured motorist coverage where you live .
6. Medical Payments Coverage
Medical payments coverage helps pay for medical expenses and rehabilitation. This optional coverage may not be available in all states. However, if you have medical payments coverage and get into a car accident in another state, your coverage applies no matter where your accident happens.
7. Personal Injury Protection (PIP)
Additional Types of Auto Insurance Coverage You May Need
Full Glass Coverage
Full Full car looking glass insurance can help pay for your car ’ s headlights, mirrors and window repairs with no deductible. For exercise, let ’ s say a thief breaks in by smashing your car window. The estimate to repair it is $ 600. If you alone have comprehensive car insurance, you ’ ll pay the deductible before your policy kicks in to repair your windshield. With entire glass coverage, the price of repairing the window will be covered in full with no out-of-pocket costs to you. Keep in mind that this type of indemnity can vary by country and international relations and security network ’ triiodothyronine always available .
Car Towing Coverage
Car towing coverage helps pay towing and labor charges associated with getting your vehicle running again in the event of a breakdown. For example, if your car battery dies on the interstate, this coverage can help pay for the costs of having your car jump-started. Towing coverage is optional and your state will not require you to have this coverage.
Personal Umbrella Insurance
personal umbrella insurance goes beyond accidents and damages. It can help if a report loss exceeds the indebtedness coverage limits of your dwelling or car policy. For example, if person sues you and the damages are more than the indebtedness limit on your primary coverage, umbrella insurance can help pay the excess costs. This coverage is optional and not required by law in any state of matter, but you may want to consider adding it to your stream coverage for excess protective covering .
Your col policy can help pay the dispute between your car ’ s actual cash value and the amount you owe on your car lend if it ’ mho stolen or totaled. Most people buy this coverage for leased or financed vehicles. This character of coverage is not mandated by country law, but if you have a car lend, opening policy may be a coverage requirement from your lender .
Rental Car Reimbursement Coverage
Rental car reimbursement coverage, also known as transportation expense coverage, helps pay for a rental car in the event of a covered comprehensive or collision loss. For example, if you slide off a wet road and crash into a tree while driving, this coverage could help pay for the charges to rent a replacement vehicle while your car gets repaired. This coverage is not required by law in any state, but may be an optional coverage that would be helpful if you were in a car accident and couldn’t use your car temporarily.
Rental Car Insurance
If you ’ re renting a car for leisure, you ’ ll necessitate to have liability coverage. rental companies normally offer lease car policy in the phase of a collision wrong release or personnel casualty damage release. Signing these will keep you from being held financially responsible if there ’ s damage to the cable car or person breaks into it. however, your existing car policy may besides cover damage to your lease car if you ’ re in a car accident. If you plan to rent a car, call your insurance company beforehand to be sure you ’ rhenium covered .
Get Car Insurance Coverage at a Rate You Can Afford
Car accidents can be costly. With the 1 Tailor your car insurance coverage to get what you want at a rate you can afford. To learn more about the types of auto insurance coverage available to you, call one of our specialists at car accidents can be costly. With the AARP® Auto Insurance Program from The Hartford, you can feel confident behind the wheel knowing you ’ re protected.Tailor your cable car insurance coverage to get what you want at a pace you can afford. To learn more about the types of car indemnity coverage available to you, call one of our specialists at 800-243-5860. You can besides get a car policy quote on-line .
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