Unfortunately, you can't get car insurance for "almost getting in a wreck." No, close only counts in slow dancing and hand grenades. But if you are in a bona fide car accident, it is important that you have that vehicle insurance to help cover you and your assets so you don't get side-swiped by a bill you simply can't afford.
The consumer can be protected with different coverage types depending on what coverage the insured purchases.
Liability insurance usually covers claims against the policy holder and any other operator of the insured's vehicles. Liability insurance does not protect the policy holder if they operate any vehicles other than their own. However, if you drive a vehicle owned by another party, you are covered under that party's policy.
The jungle of language in a car insurance policy can be somewhat confusing. Liability, full coverage, collision, comprehensive, uninsured/underinsured, and even towing insurance are all itemized options that affect your premium. So be sure to do your research before you sign on the dotted line.
Bloggers speaking about car insurances can be found at sites such as thecarinsuranceblog.com and thecarinsuranceblog.org.
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