After an accident, you want things to get back to normal fast.
Insurance purchased for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. The specific terms of vehicle insurance vary with legal regulations in each region. To a lesser degree vehicle insurance may additionally offer financial protection against theft of the vehicle and possibly damage to the vehicle, sustained from things other than traffic collisions.
In this funny prank, they try to put the driver in such a problem, when they not really purchased an insurance for their cars.
Their is seven Types of Car Insurance: Which Ones Do You Really Need?
1. Liability Insurance
When your state requires that you carry some sort of insurance for your car, they’re usually looking for liability insurance. That’s because you are personally responsible for any claims that exceed your coverage’s upper limit.
2. Collision Insurance
The biggest problem with carrying only liability insurance is that if there is an accident, you may wind up without the money to repair your own vehicle. A collision insurance policy makes it so that someone else — your insurer — will pay for the repairs to your car.
3. Comprehensive Insurance
Liability and collision insurance policies exclusively cover car accidents. If something else happens to your car — weather damage, theft, an animal collision — you won’t be able to get your insurance company to address the problem.
4. Uninsured Motorist Protection
Just because the law requires everyone to have insurance doesn’t actually mean that’s the way things work out. Even if a driver has a liability insurance policy, most states have relatively low minimums that may not cover all of the expenses that can go along with an accident.
5. Medical / Personal-Injury Protection
The costs associated with treating injuries after a car accident can be astronomical. In order to cover those costs, medical and personal-injury protection is available.
6. No-Fault Insurance
So far, no-fault insurance is available in twelve states. This option covers injuries and property damage, no matter who is ultimately responsible for a given accident.
7. Gap Insurance
If you are still making car payments, gap insurance may be a good choice. It’s meant for drivers who still owe money on their cars and need to pay off the vehicle if it is totaled in an accident.