Whether you have just bought your first vehicle or you are shopping around for new insurance for your current vehicle, the truth is that no coverage is exactly the same. There are many types of car insurance to choose from. You can pick and choose the right plan to fit your budget.
So, what are the types of insurance that you may want to consider?
Most basic plans just include liability insurance. This will protect you if you injure someone in a car accident. It will pay their medical bills. It will also cover property damage if you do damage to someone’s fence or garage.
If you are worried about your car (and you don’t want to have to buy another one out of pocket), you may want to consider collision insurance. This will cover the damage to your car if you are in an accident. If it is totaled, the insurance company will give you fair value so that you can buy a new one.
If you want to be fully protected, you may want to get uninsured or underinsured insurance. This will pay for any damage that the other person’s insurance won’t cover. It will start covering after they won’t pay anymore.
You may also want to consider getting comprehensive insurance that pays for damages that may happen when you aren’t behind the wheel. This may include fire damage, along with storm damage. It also covers theft and vandalism.
If you want to make sure that you have the right coverage for yourself, you should contact a professional. Here at JC Demo Insurance Group in Matthews, NC, we would be glad to talk to you about your options.