Definition: The word "general car insurance" refers to a type of insurance that provides coverage for any type of vehicle, including both new and used cars. It typically includes comprehensive, collision, liability, and property damage protection plans, as well as deductibles. Some basic details about what the word means: - Comprehensive: This is the most common form of general car insurance. It includes all types of damage, loss or injury that may occur during a vehicle's use. - Liability: Liability covers any injuries or damages resulting from someone else's negligence while in your vehicle or property. This insurance often includes coverage for medical bills and lost wages if the person you're driving into an accident is unable to pay. - Collision: Collision coverage will provide coverage for damage that happens when a car strikes another vehicle, tree, or object. - Liability: Liability covers any injuries or damages resulting from someone else's negligence while in your vehicle or property. This insurance often includes coverage for medical bills and lost wages if the person you're driving into an accident is unable to pay. - Property Damage: This type of coverage provides protection against damage that occurs on a property, such as buildings or vehicles. - Deductibles: Deductibles are amounts that your insurer will add to your premium when something happens. A higher deductible can help reduce the cost of repairs and replacements in case of an accident. - Discounts: Some general car insurance companies offer discounts to low-risk drivers who have a lower risk of accidents, such as those with good driving records or having recent collisions. Understanding all of these details can be overwhelming for some first-time car buyers. A knowledgeable agent can guide you through the process and help you understand your coverage options.
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