Here are the different types of auto insurance coverage you should be aware of:

Liability Insurance: Covers the cost of damages you cause to other drivers and vehicles. This includes bodily injury liability and property damage liability.

Collision Coverage: Pays for repairs or replacement of your car if you're involved in an accident.

Comprehensive Coverage: Typically optional, this covers damage to your car caused by unexpected events, such as windshield damage, fire, or accidents involving animals.

Uninsured Motorist Coverage: Protects you if you're in an accident and the at-fault driver does not have liability insurance.

Underinsured Motorist Coverage: Covers you if the at-fault driver does not have enough insurance to cover damages to your vehicle or your medical expenses.

Personal Injury Protection (PIP): Pays for your medical bills if you sustain injuries in an accident, regardless of who is at fault.

Additional optional coverages include GAP insurance, roadside assistance, glass insurance, mechanical breakdown coverage, rental reimbursement, and more.

Auto insurance is essential because it is financial protection in case you get into a car accident and damage someone else’s vehicle or injure them. Auto insurance can also protect your vehicle from damage caused by an accident or a different covered peril, like falling objects, fire, or theft.

If you don’t have auto insurance for you and your vehicle, depending on your state, you could be breaking the law. Driving without insurance could result in fines and license suspension.

Every car insurance policy comprises several different components, all of which provide essential types of protection. Therefore, each type of coverage is necessary. However, not all coverage components are required by law. Every state has its own rules about how much auto insurance is required. You can choose the right one after consulting with us.