CAR INSURANCE COVERAGES EXPLAINED

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Auto insurance coverages are types of protection that you can purchase for your vehicle to help financially protect you and others in the event of an accident or other covered incident. The specific coverages available and required vary by state and insurance company, but here are some common types of auto insurance coverages:

Liability coverage: This is the most basic type of auto insurance coverage and is typically required by law. Liability coverage helps pay for the damages and injuries you cause to others in an accident.

Collision coverage: This coverage helps pay for damage to your own vehicle when you collide with another vehicle or object, regardless of who is at fault.

Comprehensive coverage: This coverage helps pay for damage to your vehicle that's caused by events other than a collision, such as theft, vandalism, or natural disasters.

Personal injury protection (PIP) or medical payments coverage: These coverages help pay for medical expenses for you and your passengers if you're injured in an accident.

Uninsured/underinsured motorist coverage: This coverage helps protect you if you're in an accident with someone who doesn't have enough insurance or doesn't have insurance at all.

Roadside assistance/towing coverage: This coverage helps pay for emergency roadside assistance or towing if your vehicle breaks down or you get a flat tire.

Rental reimbursement coverage: This coverage helps pay for the cost of renting a car while your own vehicle is being repaired after an accident.

Keep in mind that different insurance companies may offer additional coverages or variations of these coverages. It's important to review your policy and understand what is and isn't covered to ensure you have the right level of protection for your needs.