We know that accidents happen when we least expect them. For example, you could be involved in a crash, or a member of your family could crash the car when leaving the supermarket, etc. Having good car insurance will help you face any of these situations and the expenses they represent.
Next, we will discuss what is important to consider when buying insurance and why it is crucial to have complete coverage. Let's consider three scenarios:
In the first, imagine that you have a car accident in which you are the responsible party. You would have to pay for the repairs to your car and the repairs to the vehicle of the other person involved. For these types of situations, you need to have insurance that covers civil liability. Now, within civil liability, there are two types of coverage: liability for property damage and liability for personal injury.
Let's say the other person was injured; with these two coverages, you could cover both the repairs to their car, as well as any medical expenses or lost wages, etc., resulting from such injury. Without them, you could find yourself in severe financial trouble if something like this were to happen. So this is definitely coverage that you should consider having.
In the second scenario, let's imagine that someone stole your car, or that due to a storm, it was crushed by a tree, or that some natural disaster damaged it. In this challenging situation, there is probably no other person to claim or sue. For these types of problems, you need to have full coverage, also known as comprehensive coverage. Having it, you can repair or replace your car, as long as the damage is not the result of a crash. This coverage is relatively inexpensive, so if you don't already have it, maybe you should consider including it.
And finally, in the third scenario, let's imagine that you are driving and something gets in your way, or you get distracted by a message. For something like this, collision coverage is an essential must-have, no matter whether you crash into another vehicle, or into an object.
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