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There are many different types of auto theft insurance, and the type you have determines exactly what is covered if you file a claim. Knowing what the different types of auto theft insurance are, and exactly what each type covers, can help you make sure you have the auto theft insurance coverage you want when you need it the most. There are three main types of auto theft insurance, liability only auto theft insurance, also called PLPD by some, comprehensive auto theft insurance, and collision auto theft insurance. All three of these types will cover different things, so make sure you know what you want covered in the event of a claim so that you choose the right auto theft insurance policy.

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Other Coverages: while liability coverage is the basic type of auto theft insurance, it only pays for anything you are held liable for - which is basically what you need to pay in case you damage other property or injure someone else. Your losses, however are not covered - and if you are at fault, you may end up paying for your losses yourself. These types of coverages are optional, but they are popular items to purchase to make sure that you are fully covered. Collision Coverage pays for any repair or replacement costs for your car when it is damaged in an accident. Comprehensive Coverage protects you car from any other damaged caused by other incidents aside from auto accidents. These incidents include fire, flood, theft and vandalism. Underinsured/Uninsured Motorist Coverage protects you against losses during accidents caused by drivers who have little or no coverage at all. Realise Good Van Liability Insurance Protection for Women Only in San Francisco in car insurance directory.

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The biggest way to save on full coverage auto theft insurance is to use free online auto theft insurance quotes. This step can give you savings of hundreds, maybe even thousands, of dollars each and every year. These quotes let you compare the prices for the exact same coverage from numerous different auto theft insurance providers, so that you can see who is giving you a great price and who is trying to fleece you. Different auto theft insurance companies have different discounts available, so one may offer a better deal because of more discounts, and the number of tiers involved in each company will also affect the price of your full coverage auto theft insurance policy. The more tiers a auto theft insurance company has, the lower the rates may be.

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PIP and PDL are required by some states but there are other optional auto theft insurance coverages that a car owner can add to their auto theft insurance policy. These include bodily injury liability, collision, comprehensive and uninsured or underinsured motorist bodily injury. With the required coverage of PIP you are covered for medical payments whether you are at fault or not in an accident. Thus medical claims would go through your own auto theft insurance company; up to the limits of your policy no matter if you were found to be the responsible party for the accident or the innocent victim. Your PDL coverage covers another person’s vehicle or property when you are at fault for damaging it. So if your vehicle is damaged in an accident which the other driver is found to be at fault for, you can place a claim through their PDL auto theft insurance. If your vehicle is hurt and you are at fault, you would need to have collision coverage on your vehicle in which to make a claim with your own auto theft insurance company.

• Question: are some exclusions always must be?
• Answer: exclusion is a provision in a auto theft insurance policy that denies coverage for certain losses, persons, or property. Look at Auto Vehicles Insurance Policies in New Jersey for Safe Driver in auto insurance assistance.