When it comes to owning and operating a vehicle, having insurance is of the utmost importance. But that being said, it can be confusing to understand the different types of car insurance coverage that’s available and what you should choose.
So in this blog post, let’s talk about some different options that you have. That way you can make the best decision for you and your vehicle.
Learn More: What Are Car Insurance Exclusions?
Car Insurance Coverage Types
Let’s take a look at the different auto insurance coverages available:
Liability
Liability is essentially the bare minimum type of car insurance that you can get. This covers a variety of accidents and injuries, but at a minimum level. It’s essentially designed to protect your liability of damaging the property of other people or injuring them by accident.
However, liability coverage won’t typically cover things such as damage to your own car, roadside assistance, shortfalls in coverage, or other similar issues.
Comprehensive Coverage
This is one of the best types of vehicle insurance coverage you can get. Comprehensive insurance protects you from damage in an accident that doesn’t involve a collision such as being hit by someone else or crashing into another car.
Obviously coverage can change based on where you live and other factors so you should reach out to professionals to understand exactly what’s covered in such a policy.
However, typically comprehensive coverage can cover theft, fire, being struck, and floods. It could even cover the cost of a chipped or broken windshield. Typically for comprehensive car insurance coverage there’s a deductible.
That means you need to pay a small amount when you are making a claim. Of course once this is paid up then you’ll be able to have your insurer cover the rest of the cost.
Collision
Collision insurance helps protect you against car collisions, as its name suggests. So if you hit an inanimate object like a house, a pole, or another car, it can typically cover that as well.
Uninsured And Underinsured Motorist
This type of coverage helps protect you against expenses if you were in an accident with someone who was not insured themselves.
This is an extra layer of protection since some people out there are not responsible enough to carry car insurance even though they are driving on the roads.
Personal Injury Protection
If you are unfortunately injured in an accident, this type of coverage helps pay for your treatment for your injuries — and even your passengers as well.
Get Get Car Insurance Today
Reach out to the experts at Focus Insurance. Our compassionate and knowledgeable agents will help you determine which car insurance in Decatur might be best for your needs. After all, vehicle coverage can get confusing. You need to have clarity so that you can have peace of mind that you have the best coverage for your budget, lifestyle, and loved ones.
