Basic Coverage: Car insurance typically offers coverage in several main areas, which can vary depending on the policy and local laws. Basic coverages include:
Civil liability: Covers material damage and bodily injuries caused to third parties in the event of an accident in which the insured is held responsible.
Property Damage: Covers expenses related to the indian phone number list repair or replacement of third party property damaged in an accident.
Personal Injury: Covers the medical expenses of the insured and their passengers in the event of an accident, regardless of who is at fault.
Additional Coverage: Policyholders may opt for additional coverage for added protection. These may include:
Collision Coverage: Covers damage to your own vehicle in the event of an accident, regardless of who is at fault.
Theft Coverage: Protects against loss or theft of your vehicle.
Vandalism Coverage: Covers damage to your vehicle caused by acts of vandalism.
Roadside Assistance Coverage: Provides services such as towing, breakdown assistance, and roadside repairs.
Rental Car Coverage: Pays for the rental of a replacement vehicle while your car is being repaired after an accident.
Deductible: Most car insurance policies include a deductible, which is the amount the policyholder must pay out of pocket before the insurer begins to cover costs. A higher deductible usually translates into lower insurance premiums.