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The Different Types of Car Accident Insurance Explained

The Different Types of Car Accident Insurance Explained

Over 140 million workers commute to work each day, a number that steadily keeps growing. With more and more cars crowding the roadways, chances are high that you’ll be in a car accident at least once. Crashes aren’t limited to rush hour. People indulge too much at parties or on special holidays and then get behind the wheel, making the roads unsafe. When you’re in a crash, it’s too late to start thinking about what type of car accident insurance is available. Keep reading to learn about your options before you really need it. Liability Most states won’t let you drive a car without liability insurance, which covers the basics in case you’re at fault in a collision. Liability insurance handles things like paying for damage and injuries to the other party if you’re at fault. It’s always a good idea to carry coverage beyond what your state requires, just in case. The more protection you provide for yourself and your assets, the better. Comprehensive The majority of drivers- around 77% – purchase both liability and comprehensive insurance. Comprehensive is just like the name suggests – it covers a wide range of incidents. Get comprehensive insurance to cover losses due to bad weather, theft, damage from hitting a large animal, and more. Underinsured/Uninsured Motorist Protection Other drivers might not have as much coverage as you do, or any at all. Under-insured or uninsured motorist protection covers damages to your car in case you’re in an accident with someone who has little to no coverage. In South Florida, this type of insurance is critical since the amount of uninsured motorists on the road is so high. Collision...