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What is difference between comprehensive and collision insurance?

 
Collision Insurance covers damage to your vehicle in the  event of a covered accident involving a collision with another vehicle.
Comprehensive car insurance pays for damage to your vehicle caused by covered events such as theft, vandalism or hail, which are not collision-related.
 
Comprehensive and collision coverages protect your car, while liability coverage which is mandatory in most states  protects you when you cause bodily injury or property damage to others.
 
Liability, collision, and comprehensive work together to protect you in the event of an accident.
 
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How does PIP works?

PIP works by only covering medical expenses, rather than property damage, after an accident. PIP insurance is often considered a no-fault policy because it covers the injured person regardless of who is at fault in the accident.

Although the exact amount of coverage you'll receive depends on the insurance policy you've selected,  PIP insurance usually covers medical expenses and in some cases, lost wages and funeral expenses. So-called "substitute services" may be covered too, if accident-related injuries prevent the person from performing household duties. For example, PIP may help pay for daycare if the injured person is the primary caregiver and becomes unable to fulfill that role after the accident.

Is PIP Insurance Required?

Depending on the state you live in, you may be required to purchase PIP or have the option of purchasing it. About 12 jurisdictions make PIP insurance mandatory, including Florida, New York, and the District of Columbia. Approximately 30 other states give drivers the option of purchasing it.

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What is recommended for car insurance coverage?

State minimum-coverage limits are too low to protect the assets of most motorists. Unless your income and assets are minimal, buy at least $100,000 per person, $300,000 per accident. Property damage: Property-damage liability covers repair or replacement of other people's cars and property. There are other options for personal property damage and injury.

What is Basic Coverage for auto insurance

While different states mandate different types of insurance and there are several additional options (such as gap insurance) available, most basic auto policies consist of bodily injury liability, personal injury protection, property damage liability, comprehensive, collision and uninsured/underinsured motorist.

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