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What are the different type of car insurance?

Yep, we have these type of idiots here driving while doing social media... :( 


I live in probably one of the most chaotic cities in America: Miami. Those who have moved here have noticed it in the first place that Miami traffic is like hell. People tailgate you, or spoil your door car in parking lots as if nothing. Rudeness is kind of the rule here and I think that sucks. I consider myself a real good driver and actually I worked in a quiropractor as a driver for five years. Yes, I also made Uber and Lyft but it was not my thing. After some time this city has transmogrified into a humongous transient place for all type of people including illegal immigrants that run the roads as crazy and Miami is famous for the hit-n-run bad rap. It is almost impossible to not escape to having an accident even if you are an A driver as me. And that's what happened to me one day. Fortunately I merely touched a jeep car and it happened it was only its back spare tire that normally goes in the middle of the truck.However, I realized for the first time in my ten years of living in this city the importance of being covered. As I mentioned in other post, I come from a family that never taught me how to be protected and almost made me see insurances as a merely waste of money and time. In fact, I came from a place where you use to negotiate with cops to get away with it or with the offended driver. Yes, that's wrong. There is nothing as feeling backed-up by law. But in Miami things turn really dangerous and you really really REALLY need to be covered for something. So to make my little story short I investigate the insurance thing and realized there are several types according to your needs. I am just going to talk about the 5 mean ones since there are even more but for today just let's talk about these 5 such as:

• Liability coverage: this is the "base" of your insurance since it is a must by law. It normally cover for damages, injuries, and property damage to the offended driver in the case you are at fault from an accident. Be aware that some insurance companies have limitations even though in regarding how much money they can pay. 
• Collision insurance: this type of insurance covers you in the case your car needs for some repairs as well as the offended driver. Sometimes it also even replaces the care while your car is in the bodyshop for reparations. 
• Comprehensive Coverage: Extensive protection offers to fix or substitute for a insured automobile that's thieved or destroyed by something besides crash or turning round over . For instance , damage due to flame , storm , hail , inundate , robbery , sabotage and striking an animal is included. 
• Uninsured motorist insurance: Uninsured automobile insurance will defend you and your automobile against uninsured  drivers and hit-and-run accidents. This coverage is commonly paired with underinsured automobilist insurance.
• Personal injury protection: additionally referred to as PIP coverage, could be a element of automobile insurance that covers medical expenses despite who's guilty, and infrequently includes lost wages. counting on the state within which you reside, PIP could also be associate degree on the market choice, or a needed policy add-on.
• Others: Medical payments coverage, Gap insurance, Towing, Rental, Classic car insurance. I will probably explain this in a further post but I just wanted to leave this like that. 

Unfortunately Miami is being inundated with immigrants that have no legal papers in the country and there is one car per them on the streets since transportation here leave a lot to be desired. There appears then to be an acceleration in the growth of them with years and Miami has always been into their favorites for some reason. Evidently crimes rates had been noticeably lower until hordes of immigrants started to land on the elephant city. Snowbirds are the other important population coming to enjoy their last dawns and some of them have lost their touch when driving making them also potential dangerous driving-wheelers people out there unfortunately. The interpretation for all this, and far from criticism, is to take action and be aware than more than ever urges to be educated and covered as soon as possible.