Repairs coverage in car insurance
Buying car insurance
Car insurance has become a must for your car in the current times. If you do not have your car insurance then it can lead you to pay heavily at the time of event like accident. If you have car insurance then it can provide you some peace of mind in times of accidents. There are number of options available in the car insurance and each one has its own benefits. The car insurance can be purchased from different people like the brands, direct sellers or the agents. It is your choice from where you are purchasing the car insurance for your car.
Different coverage
The single car insurance policy includes number of coverage’s. It is very much important to research the options which are available and which types of coverage’s are needed for your car. You need to understand the different types of coverage, what they cover and how do they work. Before asking the question does car insurance cover repairs, you should ask whether the policies covering you. It is important to check that the policy covers you first and then cover your car. It is also important to check that you make sure that the car is driven by you and you don’t allow others to drive your car.
The car insurance policies and the requirements differ from state to state. The state needs to carry the minimum amount of car insurance so that you can cover the cost which is caused in the injuries at the time of the accidents. There are some of the minimum car insurance requirements which vary from state to state. The types of coverage that you may require include the liability insurance, injury protection and also the uninsured motorist coverage. The liability insurance is the one which pays for the damage and the injuries caused to others in the accidents. There are states which need some minimum amount of liability coverage. Another car insurance coverage includes the bodily injury liability. It is the one which pays for all the medical expense of the others who got injured.
Property damage
The property damage liability pays for the repairs and also replaces the cars and the damaged property. The liability coverage is expressed in numbers like 100/300/50. Let me explain with an example. This means that $100000 bodily injury per person, $300000 bodily injury for accident and $50000 for property damage. The property damage includes the repairs and the replacements as well. This clears your doubt does car insurance covers repairs. The car insurance pays up to the limit which is on the policy. The limits which are exceeded are to be paid by you.
The liability insurance includes the payment for other people who get injured because of you and it does not include your own self. Thus you need something for your own self. The personal injury protection is taken for your own self. They include any of the medical bills which you and your passengers incur when you get hurt with the accident. They also pay for the funeral costs if you die in the accident.
Collision and comprehensive coverage
The collision and comprehensive car insurance are best option when you are willing to get one for your repairs. This is the answer to does car insurance cover repairs. The liability insurance fix the other cars, at the same time the collision and comprehensive car insurance pays for the damages that are caused to your car. They pay to fix the car and also to reimburse the current value of the car if it is damaged more than the repairs. You don’t need to carry the collision and comprehensive coverage. The collision insurance pays for all the expenses that are caused when the car crashes with the object or any other car and even if it flips over.
The comprehensive car insurance pays you if the car is stolen and gets damaged by anything apart from the car accidents. Suppose the car gets damaged in storm, flood and earthquake then the payment is one by the insurance company. The collision and the comprehensive car insurance are usually provided together and it includes the deductible. The deductible us the amount which you will be paying before the insurance company pays.
If you are leasing your car the leasing company also needs to have the gap insurance. If in case the leased car gets damaged then the gap insurance pays for the difference between the claim check and car amount that you owe. The car dealers provide the gap insurance to their customers in normal cases and the cost is included as part of lease. This makes it clear des car insurance covers repairs. They get included in the collision and comprehensive car insurance. You do not get the repairs amount for the normal wear and tear.
Mechanical breakdown
There are some car insurance companies who offer the special type of insurance which h is known as mechanical breakdown insurance. It is the one which extends the warranty of car and helps in managing the out of pocket expenses. The type of coverage that you may require includes the liability insurance, injury protection and also the uninsured motorist coverage. The liability insurance is the one which pays for the damage and the injuries caused to others in the accidents. So it makes clear that the basic coverage of car insurance does not cover the repairs and you need to have the special coverage in order to cover the repairs. But it again has some limitations.
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