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5 Types of Auto Insurance Policies You Should Purchase!

Check our list with 5 types of auto insurance policies you should purchase and visit our website to get car insurance quotes.

  1. # car-auto insuranceLiability Insurance

When your state requires that you carry some sort of insurance for your car, they’re usually looking for liability insurance. In the event that you are in a car accident and the police decide it is your fault, liability insurance covers the cost of repairing any property damaged in the crash (such as cars or buildings), as well as the medical bills from resulting injuries. Most states have a minimum requirement for liability insurance coverage that you absolutely must have.

  1. Collision Insurance

If there is a covered accident, collision coverage will pay for the repairs to your car. If your car is totaled (where the cost to repair it exceeds the value of the vehicle) in an accident, collision coverage will pay the value of your car.  If you have a more expensive car or one that is relatively new, collision insurance can help get you back to where you were before any damage to your car.

  1. Comprehensive Insurance

Comprehensive coverage will pay to repair or replace the policy owner’s vehicle and personal property inside of it if it was damaged or lost due to other agents, e.g., fire, theft, flood, vandalism.

  1. Personal Injury Protection

Personal Injury Protection (PIP) is something you should purchase. The costs associated from an accident can quickly add up, and in order to cover those costs Personal Injury Protection is available. With this coverage, your medical bills along with those of your passengers will be paid, no matter who is at fault for an accident.

  1. Uninsured / Under-insured Insurance

Uninsured / Under-insured Motorist coverage (also called UM/UIM coverage) pays the policy owner and his or her passengers for pain and suffering, lost wages, etc. in the event that the driver at fault cannot be found (as in a hit-and-run), has no insurance, or has too little insurance to cover the damages.

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