There are two main types of car insurance: general and liability. General car insurance covers you in case of an accident while driving your car, while liability car insurance protects you financially if someone is injured or caused damage while being in your car. Here's a quick overview of each type:
General Car Insurance
This type of insurance protects you financially in the event of an accident, regardless of who was at fault. It includes coverage for damages to your car, injuries to yourself and others involved in the accident, and costs related to the accident such as lost time at work. Some companies also offer roadside assistance and rental reimbursement.
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Most general car insurance policies have minimum limits on coverage, so it's important to read the policy carefully before buying it. The cost of a general policy can be quite expensive, but it can be worth it if you're worried about being financially protected in case of an accident.
Liability Car Insurance
This type of insurance protects you from financial responsibility if someone is injured or caused damage while they're in your car. It includes coverage for damages to your car, injuries to others involved in the accident, and costs related to the accident.
Once you have selected a car insurance company, make sure to compare rates and policy terms with other companies. Make sure that you understand the policy before you sign it. If there is anything that you do not understand, contact the car insurance company's customer service department to get clarification.