When buying car insurance, you must know type of coverage you really need. There are several kinds of coverage you can choose from such as liability coverage, property damage liability, bodily injury liability, fire and theft coverage, comprehensive coverage, collision coverage, physical damage coverage, personal injury protection, underinsured driver coverage, uninsured driver coverage, gap insurance, rental car insurance, and pay-per-mile coverage. Now, we will discuss physical damage coverage and personal injury protection.
Physical damage coverage is defined as an umbrella under fire and theft, collision, and coverage fall. This type of coverage can be optional when you have paid your car. There are several considerations that will urge you to have physical damage coverage such as if that you have a luxury car or your car retains a much higher resale value. Personal injury protection is also known as no-fault coverage. This specified coverage is a sort of complement to bodily injury liability coverage. If you have this coverage, your medical expenses can be covered up to eighty percent. The medical expenses which can be covered include lost wages, rehabilitation, and funeral costs. In some states, this coverage is an optional coverage. So, you had better check whether you are eligible to get this coverage from your state.