What are the types of car insurance? There is bodily injury coverage, property damage coverage, personal injury protection, uninsured and underinsured motorist coverage, all-inclusive coverage, and more.

1. Bodily-injuryliability: It is a must-have insurance, and almost all states have this requirement. It mainly pays the other party’s medical treatment, rehabilitation and funeral expenses, and some also pays legal fees and mental losses. The benefit amount can reach up to US$500,000 per person, or US$1 million per event, although the compensation amount may exceed the insurance coverage amount.

2. Property damage insurance (Property-damageliability): Compensation for the vehicle loss of the other party in the car accident, including repair and replacement costs, as well as other property losses.

3. Personal-injury protection (Personal-injury protection): mainly pay for your own medical and funeral expenses, wages lost due to car accidents, regardless of the cause of the accident, if you have other health, life, disability insurance, as long as you meet the minimum requirements of the state .

4. Uninsured and underinsured motorist coverage (Uninsured and underinsured motorist coverage): Pay for your own medical treatment, rehabilitation and funeral expenses. If the other party does not have sufficient insurance, especially in densely populated areas, many people have no insurance and only self-insurance, at least $100,000 per person, and $300,000 per car accident; Uninsured-motoristpropertydamage pays for car damage.

5. Collision: Regardless of the car accident caused by any reason, you will be covered for your own damage caused by the collision, at least two hundred and fifty dollars insured.

6. All-inclusive insurance (Comprehensive): Regardless of the loss of the car due to any reason, you can get compensation.

7. Glass breakage (Glassbreakage): Pay for glass damage to your own car.

8. Towing: Pay for the towing of your own car.

9. Rental reimbursement (Rentalreimbursement): Pay you the rental fee when the car cannot be used.

The types of car insurance in the United States include bodily injury insurance, property damage insurance, personal injury protection, glass breakage, trailers, etc. The factors that affect the premium are not only the type of car insurance, but also your area, your age, driving habits and driving records. influencing factors.

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