Last year alone, around 4.5 million car crashes took place in the USA. Though it is mandatory by law for a US citizen to have insurance for their vehicle, there is still always a question of which insurance coverage one should pick. There are different kinds of insurance coverage available in the USA.
Some of them are mandatory while the rest are optional, depending on the factors like where you live, and how much you drive. Here in this article, I have shared some insurance coverages form which you can choose.
Depending on which state you live in, Liability insurance can be mandatory or optional. But, you are required to have one in most of the states. You can break the Liability insurance further into two parts, I.e., bodily damage and property damage.
Bodily damage liability gives you protection when you have caused an accident, and someone has sustained a physical injury, paying for their medical bills. While Property damage liability covers you when you have destroyed someone else’s property in the accident.
The property usually refers to the vehicle of the second party. The minimum coverage amount for Liability coverage varies from state to state, so the cost of the insurance will depend on which area you live in.
Full Coverage Insurance
Full coverage insurance such as one at TrulyInsurance.com , which is also known as comprehensive and collision coverage, is a mixture of both. It ensures you against damages caused by natural disasters, vandalism, theft or any other accident that was not in your control.
Though you have to pay a deductible before you receive the insurance from the company. On the other hand, Collision coverage insures you for the damages your car receive in an accident. Full coverage is not mandatory car insurance, and most of the states deem it as optional. But it is always better to be on the safer side. Some full coverage also includes Liability Insurance as well.
Medical Coverage Insurance
As it is evident by the name, medical coverage insurance covers your medical bills if you get in an accident. But this is different from your personal medical insurance. In an event where more people were to get injured in the crash, i.e. passengers riding with you, the insurance will pay for their medical bills as well. This will cover everything from ambulance to the surgery.
Uninsured Motorist Coverage
This one is also an essential insurance coverage to have. If you ever get in an accident with a vehicle that was not insured, having uninsured motorist coverage could save you a lot of trouble. This will pay for your car damages and as well as your medical bills. In some states, uninsured motorist coverage only covers your medical bills. So you might have to look into it before you decide to get it.
These are the most common kind of car insurance in the USA, and you can opt for the most suitable one depending on your needs. Remember, always state your previous driving offenses or accidents if you had any before getting the insurance. If you fail to do so, the insurance company can refuse your claim in the future.