There are many different types of auto insurance coverage that are available to you. When shopping for car insurance, it is a good idea to have a general knowledge of the different types of coverage and what each one can do for you.
You will need to know which types of coverage you will want on your policy, and which types will just be a waste of money to you.
The main types of auto insurance coverage include the following:
Bodily Injury Liability
Bodily Injury Liability Coverage covers the bodily injury claims of people hurt in an accident where you are at fault.
Property Damage Liability
Property Damage Liability Coverage covers damages to the vehicle of another car in an accident where you are at fault.
Collision
Collision Coverage will cover damages to your car when you are in an accident.
Comprehensive
Comprehensive Coverage will cover damages to your car that are unrelated to an accident such as fire, theft or vandalism.
Uninsured/Underinsured Motorists
Uninsured/Underinsured Motorists Coverage will cover you in the event that you are in an accident where the “at fault” driver does not have insurance.
Personal Injury Protection
Personal Injury Protection covers the driver, passengers, and pedestrians’ medical expense when injured in a car accident.
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All of these types of insurance are available and may or may not be necessary for you. Specific coverage and limits are specific to which state you live in.
Check with your state’s laws and regulations to see which types of car insurance coverage you are required to have and start shopping for car insurance today!