If you are planning to purchase a new or old car, you would require to understand what type of coverage isavailable in the car insurance Clovis policy. Different types of coverages are available to protect you, the passengersand your vehicle during an accident.
Depending on your state, some of them are mandatory while others are optional. Therefore, you should select the right coverage according to your situation and state. The common types of policy coverages are explained below.
1. Liability Coverage
This type of coverage is essential in most states in the US. It is legally mandatory for the drivers to buy a policy that covers at least a minimum liability coverage amount according to the state’s law.This type of coverage has two components:
- Property damage:With this, in case you cause an accident, all the damage that you causedto the property of another person while drivingis covered.
- Body injury: It can pay for the cost that is related to the injury of another person during an accident.
2. Collision Coverage
The car insurance Clovis policy includes collision coverage. If you damagedthe vehicle of another person, while in an accident or if you hit something like a fence, this type of coverage can help you pay for a repair or also replace your car. Usually, this type of coverage is optional. However, it may be required by the lender or leaseholder of the car.
3. Underinsured and Uninsured Motorist Coverage
If the driver of the vehicle doesn’t have car insurance Clovis, underinsured and uninsured motorist coverage can be helpful in paying for all the medical bills. However, in some states, this coverage can also be used to cover for the vehicle repairs.
On the other hand, if an underinsured car driver hits you, it means they have insurance, but the liability limits of their insurance arenot sufficient to cover all your medical bills. Here is where an underinsured motorist coverage can be helpful to you.
4. Medical Payments
When you, your family membersor passengers are involved in a car accident and injured, this coverage helps pay all the medical costs. These costs include surgery, X-rays, hospital visits, and more. This type of coverage is mandatory in some states while optional in others.
5. Comprehensive coverage
The car insurance Clovis policy includes comprehensive coverage. This coverage can cover harm to your vehicle from things such as hail, vandalism, fire, or theft. If your vehicle is damaged with a covered peril, then the comprehensive coverage can pay for the repair or replacementcost of your car. The amount of this coverage is deductible, which means that you will pay from your side before your insurance company reimburses the amount.
6. PIP (Personal Injury Protection)
PIP or Personal Injury Protection coveragesare available only in some of the states. Same as the medical payments coverage, this type of coverage may pay your medical bills after an accident. It also covers the other incurred due to your injuries like your lost income or childcare cost.
Your insurance policy agent can guide you in understandingthe type of policy that would suit you. Car insurance Clovis allows you to add other insurance coverages into your policy like gap coverage, rental reimbursement, ride-sharing, sound system, and car replacement coverage. All these types of coverage help you in case of an accident.