2. Different Types of Coverage
Liability insurance does not cover damage to your own car or injuries you sustain in an accident. To protect yourself and your vehicle, you may want to consider additional coverage options.
- Uninsured/Underinsured Motorist Coverage: It covers you and your passengers' medical expenses, lost wages, and other damages in case of an accident caused by an uninsured or underinsured motorist. This can help protect you financially if you are involved in an accident with someone who has no or inadequate insurance coverage.
- Collision Coverage: It pays for damages to your vehicle if you are in an accident, regardless of who is at fault.
- Comprehensive Coverage: This covers damages due to theft, fire, or other non-collision incidents.
- Personal Injury Protection (PIP): It is mandatory in some states, including Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania, and Utah. It covers medical expenses and lost income due to injuries sustained in an accident.
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