Knowing which auto insurance coverage is right for you can seem intimidating and confusing, but understanding your options is key to making sure you are fully protected from any unexpected accidents. Whether you are a first-time driver or a seasoned road warrior, taking the time to learn about the various coverage options is essential to finding the right insurance policy for you.
Liability Coverage
-The most basic form of auto insurance, required by law in most states, covers bodily injury and property damage to other drivers in an accident for which you are at fault.
Comprehensive Coverage
– Covers non-collision damages such as theft, vandalism, and natural disasters.
Collision Coverage
– Pays for damages to your vehicle if you are involved in an accident regardless of who is at fault.
Medical Payments Coverage
– Pays for medical expenses to you and your passengers if you are injured in an accident.
Uninsured/Underinsured Motorist Coverage
– Covers medical expenses and damages to your vehicle if you are involved in an accident with an uninsured or underinsured driver.
Rental Reimbursement Coverage
– Pays for rental car costs if your vehicle is damaged or stolen and you need to use a rental car while it is being repaired.
Roadside Assistance Coverage
– Pays for roadside assistance if your vehicle is disabled due to a mechanical breakdown or accident
The Bottom Line
By understanding the various types of auto insurance coverage, you can make an informed decision about the coverage you need for your vehicle. It’s important to make sure you have enough coverage to protect yourself and your family in case of an accident, but also to make sure you are not paying for coverage you don’t need. Be sure to do your research and speak to an insurance agent to make sure you get the best coverage for your needs and budget.
