Auto Insurance in USA is almost same as it is in other part of world specially Canada. In some states of USA you have to buy auto insurance along with the car. But this is not the official rule which apply to all states. States like Virginia does not require the buyer of the car to carry auto insurance. Auto insurance companies provide the insurance card in the states where having auto insurance is compulsory as a proof which should be keeping along with driving license.
Through auto insurance in USA the consumers may be protected by different types of coverage. Some coverage which coverage cover the basic cost of damage while there are some plan in which all cost would be covered by the insurance company. Coverage depends on the policy which consumer has purchased. But in some states it’s required by law to carry mandatory insurance coverage while in some states the choice has been leave to the owner of the car.
Let’s take a close look to some of the liability coverage come under auto insurance in USA.
In this type of liability the insurance company only cover the cost of a certain amount especially if the accident id your fault. This liability covers the cost of body injury and car damage as well. Basically this coverage will cover the damage of third party which has been affected by your mistake including any damage on road like telephone pole.
Combined single limit:
This coverage will cover the cost of any badly injury due to your mistake. For example you hit the car to other car, then it is your liability to pay the expenses of driver and passenger injury.
In case if you get in accident and you want to cover the cost of car damage then full coverage is all about it. Through full coverage you can claim the entire amount related to cost of damage. It’s also includes the separate parts of your car as well.
That’s not it, there are other type of coverage and liabilities too but here we are only talking about some basics.
There are number of companies in USA who provide auto insurance. But some of them are best like GEICO, Allstate, Progressive, Nationwide and Infinity. These companies are known for their best services regarding to auto insurance in USA. They are number of different plans and insurance policies as per the request of customer and also offer free quotes. But these are not the only auto insurance companies in USA.
If you search for the auto insurance then you will found a great result of different companies. But the question is that which one is best for you? Well it’s you who has to decide it after comparing and request quotes from the companies to judge which one would provide you the best value of money.