Auto insurance is essential for private and commercial vehicles. It provides protection against injuries and vehicle damages that may occur after an accident. Most car insurance plans also cover liabilities that result from the accidents. Auto insurance is usually a contract between the insurance company and the car owner in which the insured pay premiums and, in the event of the accident, the insurer pays for the damage incurred as outlined in the policy. To get the best Car Insurance Policy in Lake Charles LA, it is vital to select an experienced insurance company such as Curtis Insurance. Note that different auto insurance companies offer different types of car insurance coverage and, thus, it is important to choose the best insurance provider. Here are the three major classifications of car insurance coverages.
Coverages that Protect a Vehicle
Examples of auto insurance coverages that protect a vehicle include comprehensive, collision, and rental car coverages. Comprehensive coverage pays for damages to a car caused something other than traffic collisions. It could be anything including damage from harsh climatic conditions, including hurricanes, hailstorms, tornadoes or natural calamities such as earthquakes, floods or fire. Collision coverage helps to either repair or replace damaged vehicle components after an incident. Rental car coverage reimburses the cost of a rental if the insured vehicle is in the shop or unavailable after an incident.
Medical Coverage for Drivers
Medical coverages pay for medical care for the driver and passengers after an accident. There are two major types of medical coverages: personal injury protection coverage and medical payments coverage. Personal injury protection coverage covers medical expenses for the insured driver and their passengers after the mishap regardless of fault. Medical payments coverage covers accident-related medical expenses for the driver and passengers.
Liability Coverage
Liability coverages are classified into two broad categories: bodily injury and property damage coverages. Bodily injury insurance pays for lost income and medical bills for the injured driver and passengers while property damage insurance pays for replacement or repairs for the damaged vehicle.
These are just some essential details to know before choosing a Car Insurance Policy in Lake Charles LA. For more information about auto insurance and how to contact a reputable insurance provider.
