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Having More Car Insurance Coverage Is The Way To Go

Most drivers think that just having the minimal coverage on their vehicles will allow them to follow the law and sleep at night. However, having some extra coverage on your vehicle does not have to break the bank and can be a lifesaver if you are involved in a car accident.
The first extra is comprehensive coverage. This is mandated on financed vehicles because it covers damage from fires, thefts, floods, and allows the car to be replaced if it is totaled. If your car is not an old clunker then it is an investment opportunity. Liability coverage only on a car makes it vulnerable.
For example, if a young woman is traveling across country and parks her car in a bad neighborhood and goes to eat and her car is stolen then this coverage would cover her losses. This would allow her to be able to file an insurance claim and collect a compensation check so that she can buy a new car.

A woman who had the same thing happen to her but had minimum liability coverage only would have to find a way home because she would not be able to file an insurance claim for her losses. The coverage may seem expensive but the added expense helps to offset any costs that might arise from making a claim.
The second added feature to consider buying is uninsured/underinsures motorist coverage. This adds less than a few hundred dollars to the price of a car insurance policy and can be a big help.

For example, if an uninsured person was at fault for a car accident where you were injured then your coverage would pick up the tab for the medical and repair costs that were incurred.
Without this coverage, many drivers would be left out in the cold financially. Most drivers would have to spend months or even years in a court room filing a lawsuit against the uninsured at fault driver to get the compensation that they need. It is good to have because the number of uninsured drivers is very high in all of the 50 states.
The third and final extra feature to consider adding is collision coverage. Being involved in a collision is not only scary but it can total a car.

Even if your car is not financed, you should consider getting this type of coverage because it allows drivers to collect compensation if their car is damaged or totaled during an accident.
Cars can be expensive to replace and many families need a car every day to get around so the coverage can help protect the family’s financial investment. In today’s economy, it is a good idea to safeguard your financial investments including vehicles just in case of an accident.

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