Types of Auto Insurance Coverage

Auto insurance is crucial in protecting you and your vehicle in case of an accident. However, with so many different types of coverage available, it can be challenging to know which options are best for your specific needs. In this article, we will discuss the six primary types of auto insurance coverage you should know.

Liability Coverage

Liability coverage is the most basic type of car insurance and protects you from paying out of pocket for damage to another person's vehicle or injury to another driver or passenger. There are two types of liability coverage: bodily injury liability and property damage liability.

Collision Coverage

Collision coverage pays for damages to your vehicle in case of a collision, regardless of who is at fault. This type of coverage is usually required by lenders if you are financing your vehicle.

Comprehensive Coverage

Comprehensive coverage covers your vehicle in non-collision scenarios such as theft, vandalism, and damage from natural disasters. It is optional coverage, but it can provide valuable protection against unexpected accidents or incidents.

Personal Injury Protection

Personal injury protection covers injuries sustained in an accident, regardless of who was at fault. It can also cover lost wages and other expenses related to the accident. This type of coverage is required in some states.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage protects you in case of an accident with someone who does not have insurance or does not have enough insurance to cover the damages. It is essential since it provides additional protection and ensures that you are not left paying for damages that were not your fault.