3 Important Insurance Policies When You Travel by Car!
Driving a car is very exciting, but it also a huge responsibility. There is a set of rules that must be respected. No matter how careful you drive, there is always the risk of being involved in a car accident, with or without your fault. In this type of situations, having auto insurance will mitigate the cost of repairing property damage and treating the resulted injuries.
Below, we present a list with 3 important insurance policies when you travel by car. You should review them and research more and if you are interested in purchasing vehicle insurance, do not forget to obtain a free car insurance quote.
- Liability auto insurance. This policy is not only useful, but also mandatory. Each state imposes a minimum of insurance protection for every vehicle operating or parked within its territory. Not purchasing minimum coverage will lead to penalties. You can end up with a substantial fine if you are stopped by police officers and you cannot provide auto insurance proof. But remember, this policy can be used only for paying the damage you do to others. Premiums vary a lot, depending on the type of car you drive, your experience and risk profile.
- Collision insurance. This type of insurance is used to cover the damaged suffered to your car in an accident you caused. If you are held responsible for a car accident, you can use liability insurance or other type of insurance to pay for the damage your produced. But your car will not be covered unless you sign for collision insurance.
- Comprehensive auto insurance. It is also a well-known and appreciated policy and it covers the damage produced by events not related to car accidents: fire, falling objects, riots, vandalism, rampaging animals and even theft.
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