Car Insurance
In case of a car accident, car insurance protects the driver from the high cost of fixing the vehicle or the car of another driver. Car insurance is often required for all drivers in many countries. Usually, full coverage provides the best protection, however you can also get the coverage on third party or liability insurance.When you purchasing car insurance, there are several important requirements: you must be of legal age, that obviously varies from country to country (16 to 18 years old), you should have a valid driving license and also have your car. In most cases, if you buying a car, you can also purchase insurance from the same agency, but sometime it is good to shop around in order to find the best prices.
Try at least to get 3 or 4 car insurance quotes in order to have a better overall picture of the situation so that you will be able to find the best coverage and the best price. Once you have decided, it is necessary to register your car with the necessary documents, including car insurance policy, and get the license plates.
Car insurance can be purchased if you do not own a vehicle, but often rent cars or use your friends and parents vehicles. However, this kind of car insurance policy is quite expensive, and it focuses mainly on the car. If the damage is more serious and not completely covered by your insurance, the remaining uncovered damage becomes entirely your responsibility.
Medical payments coverage
generally covers you, household relatives and your passengers for medical expenses that result from injuries sustained in an auto accident. It also covers you as a pedestrian if you are hit by a vehicle.
Some states have personal injury protection (PIP) in place of, or in addition to, medical payments coverage. This is also known as no-fault coverage. PIP can generally pay for medical expenses, funeral expenses, loss of income and other expenses for injuries or death due to bodily injury sustained as the result of a car accident.
