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Uninsured Motorist Coverage Covers bodily injuries to you and your passengers when
other person has no insurance or not enough insurance in a crash that is not your fault. In some states, there is also uninsured motorist coverage for damage to your vehicle. Given large number of uninsured motorists, this is very important coverage to have, even in states with no-fault insurance. Coverage is limited to terms and conditions contained in policy
Personal Injury Protection Coverage Covers within specified limits, medical, hospital and funeral expenses of insured, others in his vehicles and pedestrians struck by him. The basic coverage for insured's own injuries on a first-party basis, without regard to fault. It is only available in certain states.
Property Damage Liability Covers you if your car damages someone else's property. Usually it is their car, but it could be a fence, a house or any other property damaged in an accident. It also provides you with legal defense if another party files a lawsuit against you. It is a good idea to purchase enough of this insurance to cover amount of damage your car might do to another vehicle or object. Coverage is limited to terms and conditions contained in policy.
Rental Car Reimbursement Covers renting a car if your car isn't drivable or while your car is being repaired because of a covered accident.
What else is available and can you afford it?
Did you come across a coverage and think, "I need that but it isn't required by state law" when you were reviewing coverage definitions? Chances are you did. Can your budget afford additional expense of these protections? Or maybe more to point; can you afford NOT to have these additional protections? At CarInsurance.com it's easy to get multiple quotes all with a click of your mouse. And during quoting process, it's simple to add or remove coverage to see how additional coverage will affect your budget.
What are you protecting?
What assets need to be protected from being plucked away if you cause injury or damage? A) Your car itself. If this is a significant asset, or at least bank you owe money to thinks so, then you will need comprehensive and collision. B) Your net worth. Do you have an enormous net worth to protect. If so, either get it out of your name and into a trust or buy all insurance you can. If you have little or nothing to protect, then you can get by with less and still be financially responsible.
However, after you determine how much protection to get, always ask how much more it is for next level higher. Very often, you can get significantly more coverage for very little cost.
Car insurance isn't flashy. There is no "wow" factor and opposite gender isn't going to be impressed by size of your policy. But not having enough can be difference between financial stability and financial ruin. For what its worth, CarInsurance.com finds financial stability incredibly appealing.
Visit http://www.carinsurance.com for your free car insurance quotes online
Erick Pace is a representative of CarInsurance.com. You can visit CarInsurance.com at http://www.carinsurance.com or contact them at 1-877-327-8728.
CarInsurance.com offers the ability to shop for car insurance online. Consumers can receive quotes from many insurance companies, in some states you are able to purchase your insurance instantly, online. You don't have to drive your car to buy car insurance. Buy online...anytime!
