{"id":2378,"date":"2019-10-04T11:18:56","date_gmt":"2019-10-04T18:18:56","guid":{"rendered":"https:\/\/www.emanualonline.com\/blog\/?p=2378"},"modified":"2022-05-05T11:13:04","modified_gmt":"2022-05-05T16:13:04","slug":"what-are-the-types-of-car-insurance-coverage","status":"publish","type":"post","link":"https:\/\/www.emanualonline.com\/blog\/what-are-the-types-of-car-insurance-coverage","title":{"rendered":"What Are The Types of Car Insurance Coverage?"},"content":{"rendered":"

Are you feeling overwhelmed by all of the different types of car insurance options you have?<\/em> If you want to drive a car in the USA, then you\u2019ll need insurance coverage before you get behind the wheel. Selecting the right insurance company and coverage is definitely tricky, especially for a first-time driver. Not to worry though, because we\u2019ll explain everything you need to know about car insurance coverage below!\u00a0<\/span><\/p>\n

Car Insurance Coverage Explained<\/span><\/h2>\n

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The first thing you might be wondering is <\/span>what<\/span><\/i> car insurance actually is. The answer to this question is ultimately determined based on what <\/span>type<\/span><\/i> of auto insurance you have. Some insurance coverage is required by law, while others are completely optional. Nearly every state in the USA requires at least basic coverage, which <\/span>only covers your liabilities<\/b> to other drivers and\/or property owners.<\/span><\/p>\n

Many people think that car insurance is designed to cover injuries that you suffer and damage incurred on your car, but that just isn\u2019t the case with most state\u2019s requirements of basic coverage. In actuality, car insurance at a base level is to provide you with a way of covering the cost of car repairs and injuries that <\/span>you inflict on other drivers<\/b>. There definitely are auto insurance options that cover <\/span>your own injuries and repairs<\/span><\/i>, but we\u2019ll go in-depth on that later.<\/span><\/p>\n

Why is Auto Insurance Necessary?<\/span><\/h2>\n

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The reason why most states require you to drive with car insurance is that repairs and injuries are downright expensive. Even at low-income levels, many families are eventually able to afford a car. However, a large percentage of people that drive <\/span>cannot afford the cost of repairs and injuries<\/span><\/i>.\u00a0<\/span><\/p>\n

To put things into context, you could likely find a car for $1,000 or less that runs. It won’t run well, but it gets you from point A to point B. You\u2019d then be driving on the same road of vehicles that cost 10, 20, 50, or even 100 times <\/span>more<\/b> than the car you just bought. Even if you are at fault for an accident with a car worth just $3,000, repairs may already be out of your price range if you don\u2019t have any savings.\u00a0<\/span><\/p>\n

Simply put, it is relatively cheap to get on the road, but driving poorly can quickly make that cost prohibitively expensive. This is why the monthly cost of an insurance premium is well worth it considering what <\/span>you won\u2019t need to pay<\/b> in the event of an at-fault accident. At the same time, this is why it is so frustrating to get into an accident with someone that <\/span>does not have car insurance<\/span><\/i> because there isn\u2019t a reliable way of being compensated for your losses.<\/span><\/p>\n

Levels of Car Insurance Coverage<\/span><\/h2>\n

Now it is time to break down the different <\/span>types<\/span><\/i> of car insurance coverage. We went over basic coverage earlier, which is ultimately just <\/span>your <\/span><\/i>liability for damage caused to other drivers and their vehicles\/property. This is split into two categories; bodily injury liability and property damage liability.<\/span><\/p>\n

Optional Coverage<\/span><\/h3>\n

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Beyond basic liability coverage, you can expect to find these options from most auto insurance companies:<\/span><\/p>\n