Liability for bodily injury and property damage: This covers damages or injuries that you may cause to another person or their property while driving your car.
Collision coverage: This covers damage to your own car in the event of a collision with another vehicle or object.
Comprehensive coverage: This covers damage to your car from non-collision incidents, such as theft, fire, or natural disasters.
Personal injury protection (PIP) or medical payments coverage: This covers medical expenses and lost wages for you and your passengers in the event of an accident.
Uninsured/underinsured motorist coverage: This covers damages and injuries caused by another driver who does not have enough insurance to cover the costs or no insurance at all.
Car insurance policies can vary depending on the specific policy and the insurance company providing it, but typically, a standard car insurance policy covers the following risks so It is important to read your policy carefully and understand what risks are covered, as well as any limitations or exclusions that may apply.
Insurance policy: This document outlines the coverage provided by your car insurance policy, including the types of coverage, limits, deductibles, and exclusions. It is important to read and understand your policy to ensure you have the right coverage for your needs.
Insurance ID card: This card provides proof of insurance and includes information such as your name, policy number, and the dates of coverage. It is typically required to have this card in your car at all times.
Driver’s license: You will need a valid driver’s license to purchase car insurance and to legally drive your car.
Accident report: If you are involved in an accident, it is important to obtain a copy of the accident report from the police. This document includes information such as the date, time, location, and description of the accident.
Maintenance records: Keeping records of maintenance and repairs to your car can be helpful in the event of an insurance claim. It can show that you have taken good care of your car and help establish the value of your vehicle.
