자동차보험 종류 종목별 형태, different types of car insurance; T422

자동차보험 종류 종목별 형태, different types of car insurance;

https://www.nationwide.com/lc/resources/auto-insurance/articles/types-of-car-insurance

What Are the Different Types of Car Insurance? - Nationwide

 

You may already know how auto insurance works, but do you know what the different types of car insurance are? If you’re shopping for auto coverage, knowing the different types of auto insurance and their coverages is an important step in getting the policy that’s right for you. Here are a few of the basic car insurance types, how they work and what they cover.

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01. Liability coverage;

의무 보험,

Liability coverage is required in most US states as a legal requirement to drive a car. Liability insurance may help cover damages for injuries and property damage to others for which you become legally responsible resulting from a covered accident.

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02. Collision insurance;

충돌 보험,

Collision insurance may cover damage to your car after an accident involving another vehicle and may help to repair or replace a covered vehicle.

 

03. Comprehensive insurance;

종합 책임 보험,

[ 자동으로가입 되는가? => 09. Towing and labor insurance; 견인 및 노동 보험,]

Comprehensive insurance can provide an extra level of coverage in the instance of an accident involving another vehicle. It may help pay for damage to your car due to incidents besides collisions, including vandalism, certain weather events and accidents with animals.

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04. Uninsured motorist insurance;

(상대방) 무보험 운전자 보험,

Uninsured motorist insurance can protect you and your car against uninsured drivers and hit-and-run accidents. This coverage is often paired with underinsured motorist insurance.

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05. Underinsured motorist insurance;

과소보험 운전자 보험;

[ (상대방이) 보험을 충분히 들지 않은 (부분적으로만 든) ],

Many drivers choose to carry the minimum in liability coverage to save money, but this might not provide enough coverage. Underinsured motorist insurance can protect you in the event of an accident with a driver whose insurance is not enough to cover the costs.

 

06. Medical payments coverage;

의료비 지급 보장,

Medical costs following an accident can be very expensive. Medical payments coverage can help pay medical costs related to a covered accident, regardless of who is at fault.

 

07. Personal injury protection insurance;

개인 상해 보험,, 개인 상해 보호 보험,

Personal injury protection insurance may cover certain medical expenses and loss of income resulting from a covered accident. Depending on the limits of a policy, personal injury protection could cover as much as 80% of medical and other expenses stemming from a covered accident.

 

08. (Loan) gap insurance;

(융자) 차액보험,

Car value can depreciate quickly, so an auto insurance settlement might not be enough to cover the cost of a loan. Gap insurance may help certain drivers cover the amount owed on a car loan after a total loss or theft.

 

09. Towing and labor insurance;

견인 및 노동 보험,

참조 => 03. Comprehensive insurance;

Available if you already have comprehensive car insurance, towing and labor insurance may reimburse you for a tow and for the labor costs to repair your vehicle.

 

10. Rental reimbursement insurance;

임대 상환 보험,

Figuring out how to get around after an accident can be expensive. Rental reimbursement insurance helps pay for a rental car if your vehicle cannot be driven after an accident.

 

11. Classic car insurance;

(비싼) 골동품 고전 자동차 보험,

Classic car insurance provides specialized coverage designed for the unique needs of vintage car[(1919-30년에 제조된 우수한) 구형 자동차] and classic car collectors. Find out if classic car insurance is right for you.