I know it may sound weird to you at first but I really have a recipe for perfect car insurance. Here I mean perfect and not cheap. Cost cutting is reasonable but not at the stack of your car’s security. After doing a lot of research on car insurance supermarket claims and issues, I have compiled a list that includes the must-have for car insurance coverage. The list drops down with the importance. That is the first ingredient in the list is most important and so on. So here is the ingredients you will require:
1. Liability coverage: It may sound rude at first but this coverage is most important. It will pay off to the other party that you harm in an accident. That means if an accident is caused due to your carelessness then you are liable to pay the expenses to the other party involved. These expenses include car repairing charges, hospitalization or other medical expenses if any. If you don’t have insurance, you will have to pay it from your pocket. So this is first in my list.
2. Uninsured or underinsured motorists’ coverage: Now this is something you will love. Like we discussed in earlier point, if you cause the accident then you will be liable for the expenses. But what if the other party is responsible for the accident? I know you will say that their insurance will pay. Here is a glitch, what if they don’t have one? Therefore you need this ingredient in your car insurance recipe. It will pay expenses to you, if you are hurt by an uninsured or underinsured motorist.
3. Collision: This is again important as your car may severely get damaged in a collision with another or an object. It will pay off the expenses incurred in repairing your car.
4. Medical Payments: It will cover all the medical expenses incurred as a result of a car accident. This is a great savior in case you are heavily injured.
5. Personal Injury Protection: PIP will pay off your medical bills and compensate for loss of income after a car accident. This coverage is really helpful if car accident makes you immovable for some time.
Other additional ingredients just to make it more reliable:
6. Rental reimbursement: This is little unusual coverage option and many few people opt for it. It will pay the rent for a rental car while your car is being repaired after an accident. This might be useless for local public but becomes really important when you are travelling out of your city.
7. Comprehensive: This is also a popular option but I prefer it as additional because it will pay off the repairing expenses if your car is damaged due to theft, vandalism, or any other mishap except accident.
So now you are ready to build up your car insurance. Compare quotes and get perfect car insurance supermarket at cheaper rates.