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Types of car insurance coverage

There are different types of car insurance coverage you can recieve for your auto. This guide is provided to help you choose which are right for you.

Collision and comprehensive

While these are both important types of car insurance, you're not bound by law to purchase either. You must, of course, have the mandatory minimum of liability coverage that will pay if you're involved in an accident or injury to another person or property. But it's not actually a legal requirement to have either of these types of insurance.

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Bodily injury and property damage liability

Liability coverage is a legal requirement of every state in the U.S. apart from New Hampshire. This type of coverage allows you to pay for medical bills as a result of injuries that you cause to other people in a car accident. It also covers damage to the other person's vehicle and / or property. With this coverage you're also covered for "pain and suffering" damages if someone involved in an accident where you're at fault sues you.

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Gap insurance

When you purchase a brand-new car, the value depreciates rapidly from the moment you drive off the forecourt. When you're involved in an accident and your car is damaged beyond repair, or if your car is stolen and never recovered, your insurer will generally pay out what the car was worth at that moment in time. Which is pretty much always going to be less than what you initially paid for it.

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Personal injury protection (PIP) and medical (MedPay)

Personal injury protection, or PIP, and medical insurance, also called Medpay, is part of auto insurance that helps cover medical expenses in the event of an accident. The coverage is generally payable regardless of who's at fault in the accident and may include coverage for lost wages in addition to medical bills. Coverage applies to you and your passengers, which provides enhanced protection for family or loved ones if they are in your vehicle at the time of the accident.

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An SR-22 is a state-mandated insurance filing that allows you to prove that you carry valid car insurance. In some places you may hear it be referred to as a certificate of financial responsibility (CFR) filing. The certificate states that you have met the minimum insurance coverage requirements in your state. Once it has been filed with your local DMV it verifies that you as a driver have adequate auto liability insurance.

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Uninsured motorist

Being involved in a collision with an uninsured motorist is every driver's worst nightmare. Thankfully, there are insurance plans that you can buy that provide you with coverage, should you be involved in an accident with an uninsured driver.

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