2. Understand Different Types of Coverage
Familiarize yourself with the various types of car insurance coverage available:
- Liability Coverage: Covers bodily injury and property damage to others if you’re at fault in an accident.
- Collision Coverage: Pays for damage to your car resulting from a collision with another vehicle or object.
- Comprehensive Coverage: Covers damage to your car from non-collision incidents, such as theft, fire, or natural disasters.
- Uninsured/Underinsured Motorist Coverage: Protects you if you’re involved in an accident with a driver who has insufficient or no insurance.
- Personal Injury Protection (PIP): Covers medical expenses for you and your passengers, regardless of fault.