• Liability - this coverage pays for physical body injury accidents and property damage to others. Injury damages include medical expenses, pain or suffering and lost wages. Property damage, including damage to the car. This coverage also pays defense and court costs. State laws fix how much liability coverage you must purchase, but you can also get more coverage if you wish.
• Collision - This insurance pays for damage to your vehicle caused by a collision with another vehicle or object.
• Comprehensive - This coverage pays loss or damage to the insured vehicle that does not happen in a car accident. Possible types of comprehensive insurance cover damage include loss caused by fire, wind, rain, flood, vandalism, or theft.
• Medical Coverage - pay medical expenses regardless of fault that it provided the expenses caused by a car accident.
• PIP - personal injury protection (PIP) - This coverage pays medical expenses for the driver is insured, regardless of whose fault it was, for the treatment because of an injury incurred in a car accident.
• Insurance rider - pays for damage to your car during a car accident caused by another driver who does not have insurance.
• Underinsured motorist-pays for damage to your car during a car accident caused by someone who has insufficient insurance to solve all your claims.
• Rental Reimbursement - this type of insurance will pay for Car Hire if you hire a car damaged by a car accident. Often this coverage has a daily compensation to be paid for at the time of renting a car.
Certain insurance policies with a number of club type of coverage. Depending on the laws in your country, you have to choose the insurance you want for your car. Although the state may not require extensive insurance, extra coverage may be worth the cost as it is very possible that you may be straddled with thousands of dollars because of a car accident.