Everyone knows that car insurance is important. It helps to avoid many troubles. In case of an accident, it provides you with some financial protection. It saves you a lot of money, energy, and nerves. There are many various situations when you need car insurance. The most frequent of them include the following:
- You caused an accident;
- Someone else caused an accident and got hurt;
- Your car needs fixing after an accident. It’s doesn’t matter it’s your fault of someone’s else;
- It’s important to protect your auto lender.
By the way, you just can’t drive a car without insurance. 49 states mandate drivers to have it. Only residents of New Hampshire can decide whether they want to buy it or not. Yet, the greater part of vehicle owners prefers to protect themselves and their cars.
Ordinary Types of Car Insurance
Although most drivers don’t like car insurance because of its high cost, they can’t but choose the most appropriate variants. There are 3 main types of car insurance which are popular among the auto owners. Liability coverage is a minimum required insurance. It includes property damage and bodily injury. Collision car insurance covers vehicle repairs. PIP or Personal Injury Protection covers your expenses for medical bills. The number of possible car insurance types is endless.
Unusual Types of Car Insurance
Alongside usual offers, it’s possible to find unexpected variants. You may even need some of them. The following information may be not only interesting but useful for you.
Salvage car insurance is one of the most disputable and thought-provoking types of coverage. If you don’t know what a salvage title car is, you are a lucky person. It’s an auto that has sustained major damage because of crash, flood, fire, hall, vandalism or theft. The value of such a vehicle decreases by 70-90%. There is no sense in buying non-repairable title autos unless you want to get details for your current car.
It’s not a piece of cake to get coverage for salvage title vehicle. You need to prepare a lot of documentation. When searching for an appropriate type of car insurance, you should keep in mind that not all available options fit your demands. For instance, the website https://www.general.com offers a lot of variants. There is a problem in buying liability coverage, yet, it’s rather problematic to get comprehensive or collision insurance.
The next unusual type of coverage is Ice Cream Van Insurance. It’s a special offer for ice-cream sellers. It may cover goods left in the van, equipment, and even stock. Scrap dealer coverage is another interesting variant. Its main aim is to protect the collection and delivery of scrap materials. If you are an owner of the unusual rare or non-listed vehicle, the standard insurance won’t fit your needs. It’s better to look for special rare car insurance.
Nowadays it’s almost impossible to find a thing you can’t insure. When it comes to auto coverage, it’s not worth sparing. Car insurance is one of the most useful coverages you may have.