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Car Insurance: Getting to Know the Different Types

Categories: Automobile

Getting to know the different types of car insurance can help you make an informed decision about how to get the right coverage for your particular needs. At Mountainview Insurance, we understand how important it is to have the right car insurance. That is why we offer a wide range of insurance products that are tailored to each client’s particular needs.

Types of Car Insurance

Some of the different types of car insurance available are:

1. Liability Coverage

Liability coverage is designed to protect you in the event that a car accident occurs as a direct result of your actions. This type of car insurance will cover the cost or repairs to any property damaged during the car accident, as well as any medical bills from accident-related injuries. Choosing the highest liability coverage minimum that you can afford is always a good idea, as it will help ensure that you do not end up having to pay a large amount of money due to an exceeded policy limit.

2. Collision Coverage

In the event of an accident, collision coverage will pay for your car’s repairs or pay for the value of the car, if the car is totalled beyond repair. In some cases, such as if you own an older car, collision coverage might not be worth it, as you may not receive much money for your car if it is totalled; however, this type of car insurance is ideal for drivers with newer or more expensive cars because it can help get your expenses back to where they were before the car was damaged.

3. Comprehensive Coverage

While liability and collision insurance can help protect you in the event of a car accident, comprehensive coverage can help with accidents that are not covered by other types of car insurance, such as weather damage, hitting an animal, or if your car is stolen. While comprehensive insurance may seem unaffordable to some drivers, installing an anti-theft or tracking device in your car can help lower the cost of coverage.

4. Personal Injury Protection

Since the costs associated with an accident can quickly add up, you should consider purchasing personal injury protection. This type of car insurance is designed to cover any medical bills that you or your passengers acquire after an accident, no matter who is at fault.

5. Uninsured/Underinsured Motorist Protection

Uninsured or underinsured motorist protection can help protect you if you are in a car accident caused by a driver who does not have enough liability insurance to cover the total expenses of the accident, as it is designed to help with any expenses that cannot be covered by another driver’s car insurance.

If you would like to learn more about the different types of car insurance, or if you are interested in one of our insurance products, please contact Mountainview Insurance at 604-557-0255 or by requesting a quote on our website. Mountainview Insurance is proud to provide high-quality insurance products to clients throughout Abbotsford and the surrounding areas.

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