Recommended Car Insurance Coverage: Consumer Reports’ Top Picks

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Here is a 737-word article about recommended car insurance coverage consumer reports, written in a spoken voice with a FAQ section at the end:

When it comes to car insurance, it’s essential to have the right coverage to protect yourself and your vehicle. That’s where Consumer Reports comes in – they are a trusted source for information on all things car-related, including the recommended car insurance coverage you should consider.

First and foremost, let’s talk about liability coverage. This is the most basic and important type of car insurance. Liability coverage pays for damages and injuries to other people and their property if you are found at fault in an accident. The minimum liability coverage required varies by state, but Consumer Reports recommends carrying at least $100,000/$300,000 in bodily injury liability and $50,000 in property damage liability. This provides you with a good amount of protection, but it’s also important to consider your individual needs and assets.

Next up, we have collision coverage. This type of coverage pays for the repairs to your vehicle if you’re in an accident, regardless of who is at fault. Consumer Reports recommends carrying collision coverage if your car is worth more than $3,000. If your car is older and not worth much, you may want to consider dropping this coverage to save on your premium.

Comprehensive coverage is another important type of car insurance. This pays for damage to your vehicle that’s not caused by a collision, such as theft, vandalism, or natural disasters. Consumer Reports suggests carrying comprehensive coverage if your car is worth more than $3,000, and it’s especially important if you live in an area with a high risk of natural disasters or theft.

Uninsured/underinsured motorist coverage is also something to consider. This coverage pays for your injuries and damages if you’re in an accident with a driver who has no insurance or not enough insurance. Consumer Reports recommends carrying at least $100,000/$300,000 in uninsured/underinsured motorist bodily injury coverage.

Finally, let’s talk about personal injury protection (PIP) or medical payments coverage. This coverage pays for your medical expenses and lost wages if you’re injured in an accident, regardless of who is at fault. Consumer Reports suggests carrying at least $10,000 in PIP or medical payments coverage, especially if you don’t have health insurance or have a high deductible.

When it comes to car insurance, it’s important to remember that the recommended coverage can vary depending on your individual circumstances, such as the value of your car, your driving history, and your financial situation. It’s always a good idea to review your coverage with an insurance agent to ensure that you have the right protection for your needs.

FAQs:

Q: What is the minimum liability coverage recommended by Consumer Reports?
A: Consumer Reports recommends carrying at least $100,000/$300,000 in bodily injury liability and $50,000 in property damage liability.

Q: When should I consider dropping collision coverage?
A: Consumer Reports suggests dropping collision coverage if your car is worth less than $3,000.

Q: What is comprehensive coverage and when should I have it?
A: Comprehensive coverage pays for damage to your vehicle that’s not caused by a collision, such as theft, vandalism, or natural disasters. Consumer Reports recommends carrying comprehensive coverage if your car is worth more than $3,000, and it’s especially important if you live in an area with a high risk of natural disasters or theft.

Q: What is uninsured/underinsured motorist coverage, and why is it important?
A: Uninsured/underinsured motorist coverage pays for your injuries and damages if you’re in an accident with a driver who has no insurance or not enough insurance. Consumer Reports recommends carrying at least $100,000/$300,000 in uninsured/underinsured motorist bodily injury coverage.

Q: What is personal injury protection (PIP) or medical payments coverage, and why should I have it?
A: PIP or medical payments coverage pays for your medical expenses and lost wages if you’re injured in an accident, regardless of who is at fault. Consumer Reports suggests carrying at least $10,000 in PIP or medical payments coverage, especially if you don’t have health insurance or have a high deductible.