In the United States, one of the most common types of insurance is car insurance. There are a couple of reasons for this. First, has to do with the sheer number of cars in the United States, an estimated 245,000,000 vehicles. Second, all states, with the exception of Virgina and Mississippi, require that drivers have at least some kind of car insurance.
There are a few different kinds of car insurance. The most basic car insurance is known as liability coverage. It covers damages for bodily injury and property damage for which the insured driver is responsible. However, it will not cover damage caused by another driver or thing. However, this kind of insurance is fairly limited. Many drivers want more extensive coverage.
Hence there is collision coverage. Collision coverage is designed to coverage for vehicles involved in collisions, subject to a deductible. Collision coverage will pay for a car to be repaired, or pay the cash value of the vehicle if the car is not able to be repaired.
Comprehensive insurance, as the name suggests, covers all of the other kinds of accidents that may befall a car, like a tree falling on a car for example. It too is subject to a deductible. Together, these three kinds of insurance are refereed to full coverage car insurance. While other kinds of car insurance exist, like rental insurance, these are considered separate from full coverage car insurance.
If you are looking for car insurance in Rochester NY, then you can contact an insurance agent. Another good idea if you are not sure how to choose car insurance is to go online. There internet is a great resource to find quotes for auto insurance. You can even compare quotes from different car insurance companies. More can be found here.