Auto insurance: 6 types of coverage in the US

Having car insurance is important, so you should be aware of the 6 types of insurance in the United States, ranging from the simplest to the one that protects against theft of your car.

Having a car comes with a lot of responsibility, which is why it's important to have car insurance, so this time we're going to talk about 6 types of coverage in the US.

And it is that just as you pay close attention to detail when buying a car, you should also put in the same or even more effort to buy your car insurance.

Since we insist on owning and driving a car, it is a big responsibility, which means that you have auto insurance, because in this way you will be prepared for any accident that may happen to your car or even to you if you are behind steering wheel.

And not only that, but also for third parties who are injured in an accident with your car, as insurance will cover economic and medical expenses.

That's why it's important that you know the coverages that exist in the insurance market so that you can purchase the ones that best suit you.

Insurance even against theft of your car

Therefore, pay close attention to the six types of car insurance coverage in the United States so that you can choose the ones that offer you the most benefits and thus be more protected from accidents and even from. 

First of all, most states require cars to be insured in order to be able to circulate.

So you will not be able to avoid this first responsibility, otherwise you will be subject to sanctions and fines from the state authorities. 

In addition, there are other reasons to have car insurance for yourself and for yourself, since in case of any accident, the insurance will cover the costs.

Auto insurance can also take care of damage you cause to another vehicle, or if you injure other people, the insurer will cover medical expenses. 

And not only that, having insurance guarantees you compensation for damage caused by another vehicle involved.

That's why we're going to talk about the 6 most important types of coverage when you're looking to purchase auto insurance in the United States.

Liability for damage to property

In this case, if you cause a vehicle accident and cause damage to other vehicles or property, public or private, your insurance covers those costs.

Even if someone or people are hurt, the policy will pay for medical expenses if you are at fault. 

clash

This type of coverage means that the costs covered by the insurance will only apply to damage to cars in the event of a collision, but not to injuries caused to drivers. 

A deductible applies here, depending on the percentage applied by your insurance.

Liability for bodily injury

This coverage is used to cover the medical expenses of drivers and passengers involved in the event that you cause an accident or accident with your vehicle.  

Medical benefits insurance or injury protection

This coverage is very similar to the previous one, but in this case, the costs covered by the insurance policy are for you and your passengers in the event of an accident and require medical attention. 

Integral

There is also a comprehensive coverage known as Comprehensive Coverage and as the name suggests, the insurance will cover most situations where your vehicle is involved.

That is, the insurance is responsible even for the theft of your car, as well as damage caused by natural disasters.

Not only that, but the insurance coverage is also responsible for acts of vandalism that your vehicle may be exposed to, including the cases mentioned in the previous insurance coverage.

So now you know what to consider when buying car insurance.  

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