Car Insurance Tips - Types of Coverage

We all need car insurance, and it is required by most states in the Unites States today. Some states only require liability, while others may also require other types of car insurance. Before you purchase your car insurance it would be best to learn what your state requires and then you can add other types of car insurance as options for better protection. Now, you may be wondering what are the different types of car insurance and what do they cover and do I really need the extra coverage. So, let’s look at the different types of car insurance and what they cover. * Liability insurance pays for accidental bodily injury and property damages to others. . Injury damages include medical expenses, pain and suffering and lost wages. Property damage includes damaged property and automobiles. It will also pay for any defense and court costs if they arise. State law will determine just how much liability coverage you have to purchase, but you can also get more coverage if you desire. * Collision insurance pays for damages to your vehicle caused by collision with another vehicle or object. * Comprehensive insurance pays for loss or damage to the insured vehicle that doesn't occur in an auto accident. This is damage done to your car by such things as fire, wind, hail, flood, vandalism or theft. * Medical Coverage insurance pays medical expenses regardless of who is at fault when the expenses are caused by an auto accident. * Personal Injury Protection pays medical expenses for the insured driver, regardless of who is at fault, for treatment due to an auto accident. * Uninsured Motorist pays for car's damages when an auto accident is caused by a driver who doesn't have liability insurance. * Underinsured Motorist pays your car's damages when an auto accident is caused by someone who has insufficient liability insurance. * Rental Reimbursement pays for a rental car if your car is damaged due to an auto accident. You can choose to only purchase the car insurance that is required by the state in which you live or you may choose to purchase all of the above insurance. Many car insurance companies have packages available where you can mix and match the type of coverage you desire. If you have ever been in a car accident you understand how important it is to have enough coverage. Medical bills can be extensive according to your injuries. Having the proper amount of coverage to cover medical expenses and to pay to have your car repaired is very important. If you do not have the proper coverage you will soon see yourself in debt with medical bills that may be hard to pay if you were injured and are unable to work. You may also get a deal by your age, your sex, and if you use the car for traveling to and from work only. As you compare prices and car insurance companies be sure to ask if they offer any deals because of your perfect driving record or your age. You may be able to save more money than you think. You may also be able to include your car insurance in with your home owners insurance or your health insurance. Sometimes, you can receive a better deal if you use the same insurance carrier for all your insurance needs. But, it is still best to shop around. You may find a better deal and save yourself a bunch of money to spend shopping. Shop around, compare car insurance companies, compare types of insurance coverage offered and decide what you need and desire before you make your choice.