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Are you looking for an insurance policy that will provide you with worry-free coverage? If so, there are a few forms of optional coverage that you might want to consider adding to your policy if your budget allows. Although adding these extras will cause your insurance premiums to go up, the peace of mind they provide and the extra coverage you receive when disaster strikes may be well worth the added expense.
Most states require drivers to carry liability insurance, which only covers the expenses of the other driver and passengers of both vehicles if you caused the accident. If you want to make certain your vehicle is covered if it is damaged in an accident you caused, however, you will need to have collision coverage in place. Compare the value of your vehicle to the amount of your deductible and the increase in your insurance premium rates in order to determine if collision coverage is right for you.
While collision coverage will cover the expense of repairing your vehicle if it is damaged in an accident that you caused, comprehensive coverage insures your vehicle against damage caused by other things. Some examples of damage that is covered by comprehensive insurance include:
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Again, comparing the value of your vehicle against the extra cost of carrying comprehensive coverage will help you better determine whether or not this coverage is right for you.
Personal Injury Protection
The medical expenses for other people involved in the accident you caused will be covered by your insurance policy, but you will be left holding the bag on your personal medical expenses. It is important to note that most health insurance policies will not cover medical expenses associated with an automobile accident that is your fault, so having this coverage in place can help prevent you from falling into a harsh financial situation.