Insurance Quotes and News

Car insurance protects the plan holder (normally the driver or owner of the car) from monetary loss as a result of a car accident. To receive this protection the plan holder pays a regular premium which varies according to a wide variety of factors like the age of the driver, the type of vehicle, the driver’s record and the driver’s location to mention just a few.

There are currently a number of different forms of car insurance to protect the policy holder against costs associated with damage to the car, property damage and injury to persons involved in a vehicular accident. The various different types of insurance cover include:

Liability cover which pays for damages to others or to their property as a consequence of an accident and which additionally covers any court costs involved. In a lot of states this is the bare minimum of cover required before you can take a car onto public roads.

Collision  cover which provides payment for damages to your vehicle in the event of a collision with another vehicle or other object.

Comprehensive cover which provides payment for various different forms of damage including theft, fire, vandalism and extreme weather conditions.

Medical cover which provides payment for medical expenses associated with injuries resulting from a car accident.

PIP (Personal Injury Protection) cover which is designed to pay for medical expenses when an injury is sustained during an accident, regardless of who caused the accident.

Uninsured and under-insured cover which pays for any damages sustained to you if the other driver in an auto accident is uninsured.

Each state makes its own set of rules governing car insurance and some kinds of cover are mandatory in a particular state while others will be purely optional. Some states, for example, only require you to carry liability cover while other states insist upon personal injury protection insurance cover.

In addition there are various states which are known as ‘no-fault’ states in which policy holders can recover any financial losses from their own insurer, regardless of who is found to be at fault in an automobile accident.

Make sure that you are carrying the correct form of car insurance by letting the experts give you a free, no-obligation cheap car insurance quote today.