These are the different types of auto insurance coverages you should be aware of
Liability: Liability insurance pays to repair damages you cause to other drivers and vehicles. This insurance includes bodily injury and property damage liability.
Collision: This helps you pay to repair or replace your car if you’re in an accident.
Comprehensive: Comprehensive coverage is usually optional, and it covers damage to your car that is caused by unexpected events, like windshield damage, fire or accidents with animals.
Uninsured motorist: This insurance covers you if you’re in an accident and the driver at fault does not have liability insurance.
Underinsured motorist: Uninsured motorist covers you if you’re in an accident and the driver at fault does not have enough coverage to pay for damages to your vehicle or your medical expenses.
Personal injury protection: This pays for your medical bills if you sustain injuries in an accident, regardless of who is at fault.
The other type of optional coverage you can have is GAP insurance, Roadside Assistance, Glass Insurance, Mechanical Breakdown,Rental reimbursement & many more.
Auto insurance is important because it is financial protection in case you get into a car accident and damage someone else’s vehicle or injure them. Auto insurance can also protect your vehicle from damage caused by an accident or a different covered peril, like falling objects, fire, or theft.
If you don’t have auto insurance for you and your vehicle, depending on the state you live in, you could potentially be breaking the law. Driving without insurance could result in fines and license suspension.
Every car insurance policy is actually made up of several different coverage components, all of which provide important types of protection. Each type of coverage is important; however not all coverage components are required by law. Every state has its own rules about how much auto insurance is required. You can choose the right one after consulting with us.