Explanation of the Basic Types of Auto Insurance
Auto insurance is now a fact of life; in fact, it's against the law to drive without car insurance in 48 states and the District of Columbia. We've put together this guide in order to make the process of choosing auto insurance easier for you and your family.
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Liability insurance
Liability insurancecomes in two forms: bodily injury liability and property damage liability.
- Bodily injury liability - Pays the hospital and any other medical expenses of a person who was injured in a car accident. It also covers their lost income and pain and suffering judgments should the accident become part of a legal proceeding.
- Property damage liability - Covers the cost to repair or replace any property damaged in an accident.
Collision insurance
Collision insurance covers the cost to repair or replace your own vehicle if you are in an accident. If you have collision insurance, then your vehicle is covered, no matter who was at fault in the accident.
Comprehensive insurance
Comprehensive auto insurance covers the cost of repairing any damage to your vehicle due to theft, fire, vandalism, windstorms, hail, and floods.
Medical payments insurance and personal injury protection
Medical payment insurance and personal injury protection help protect your assets.
- Medical payments insurance covers medical, hospital, and funeral expenses resulting from an accident for both you and your passengers.
- Personal injury protection is a broader coverage and pays for medical care, lost wages, and replacement services for you and your passengers.
Finally, we can help you find the best car insurance coverage at great rates to protect you and your family. Get started by requesting a free no-obligation quote with us today!