Has the time come to shop around for car insurance? If so, you need to come up with a base policy that you are comparing between insurance providers. That's why it helps to decide on what kind of insurance you want before you start getting quotes. Here are two types of coverage you definitely want to have on your car, which should be included in every quote you get.
Uninsured Motorist Coverage
You may think that having auto insurance is enough to protect you, but you are actually at risk of other drivers not having enough insurance coverage if they hit your car. If they do not have insurance, or simply do not have the proper amount of coverage, you end up paying the bill for the difference. Your alternative is to hope that they are a good person and pay for the bills, but if not, you'll need to take them to court. Even winning a court case is not a guarantee that you'll end up seeing the money if they don't have it.
That is why it helps to have uninsured motorist coverage for your vehicle. It provides you with peace of mind that you will have your medical bills paid for and your car repaired if you were to get into an accident. The other driver will pay for the damages according to their policy, but your insurance provider pays the rest. It will then be up to the insurance provider to sue the other driver for the balance owed.
Many auto accidents happen in situations that do not involve another driver. For example, there may be a big storm that comes through town, which causes a tree branch to fall on your vehicle. A flood can cause your car to fill up with water. You may even back out of your garage before remembering to open the garage door, causing significant damage to your car.
All of these things would be covered with comprehensive car insurance coverage. It's to cover damage to your vehicle when fault cannot be put on another person that has insurance. It even covers vehicles that are stolen by replacing your vehicle with one of a similar value to what your car is currently worth. The same goes for vandalism, such as broken windows and slashed tires.
For more information about auto insurance coverage, speak with a local insurance agent in your area.