Now that you know the types of insurance, you can choose between the type that suits you according to the costs and according to the condition and type of your car. To do the insurance, you will simply go to any car insurance company and ask them to insure your car and they will provide you with a form, just fill it out according to what suits you and congratulations on insuring your car.
Car insurance rates and costs in America
As we mentioned above, prices vary according to the state, companies, type of car, and also according to the legal tax rate.
Medical payments, no-fault or personal injury
To cover the costs of medication for the injured passengers and the driver in your car, as well as if you were injured by a car while you were on the road.
Uninsured motorists coverage
It means insuring the car in the event of a collision with another car whose owner does not have insurance; This case applies to accidents during which the other party flees from the scene of the accident; At that time, he is considered a driver without insurance or coverage.
Comprehensive physical damage
Covering the charges of repairing your car in case it is damaged due to other than collision accidents; like theft; fire; floods; Animals fall from a pole or tree.
Collision coverage
Financial and legal coverage in the event of a collision, whether with something or with another car, whether it was your fault or the fault of the other driver. But you must take into account that this type is determined by the financial value of the car in the market; Therefore, it is recommended to cancel this coverage if the car is very old.
Property damage liability
When you hit the property of others or another car and it was your fault, this type of coverage will protect you legally and pay the fees and repairs for you.
In addition to the above types of coverage, there are other services that insurance companies can offer to you to be added to the above list; Among these services we mention:
Emergency Road Service
Help you if your car falls into mechanical failure on the road.
Rental Reimbursement
If your car is broken or in Mareb car repair after a traffic accident, this service, if you subscribe to it, will give you a car to rent for free until your car is repaired.
Mechanical Breakdown Insurance
Cover for mechanical damage to the car.
Deductible
or discount means how much you will pay from your own money; For example, you purchased a specific coverage, for example, a collision coverage, at a value of 25,000 dollars for each accident; In return I chose $500 as a Deductible Discount.
This means that the insurance company will pay you or the driver of the other car up to 25,000 dollars, depending on the type of losses resulting from the collision, and deducts 500 dollars as a contribution from you in the costs of repair.
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