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What Are The Different Types Of Car Insurance?

Different Types of Car Insurance - Razavi Law Group, CA

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Different Types of Car Insurance

Liability Coverage

Liability insurance covers injuries to another person or damage to their property due to an accident you caused. This does not protect your own injuries or your own property damage.

Collision/Comprehensive Coverage

This type of insurance covers vehicle repair and replacement costs, even if you are at fault. It covers theft, damage from hail, fire, vandalism, or collision with an animal as well.

Uninsured/Underinsured Motorist

This type of insurance helps cover the cost of medical bills for you and your passengers if you were involved in a vehicle accident at the fault of the other driver, but they do not have enough insurance to cover you or don’t have insurance at all.

For example, imagine you get into an accident and incur $100k in medical bills but the “at-fault driver” only has a $30k insurance policy. If you have Underinsured Motorist Coverage then your own insurance will cover the rest of your medical bills.

Rideshare Insurance

As stated earlier, this type of insurance will cover gaps in Lyft and Uber’s insurance policies and offer you a more complete protection package for your situation. Please ask your insurance company to see what options they offer.

Gap Coverage

If you drive your car a lot then it will depreciate quicker. This coverage will protect you if your car is totaled but the value is less than what you still owe on the loan.

Medical Payments

This type of insurance covers medical expenses due to a car accident including your deductible. This is especially important if you do not have health insurance. If possible, you should have enough insurance coverage to protect all of your assets including your car, home, property, or anything else of value that could be exposed in a major accident that is your fault.

If you are involved in a car accident in California, call our experienced lawyers at Razavi Law Group at 949-734-0476