Auto Insurance Made Easier To Understand
Auto insurance can include several different types of coverage. The goal here is simple: understand what the common coverages generally do so you can ask better questions about your own situation.
Common Auto Coverage Types
The coverages available to you can vary by insurer, policy, vehicle, location, eligibility, and other factors.
Liability
Liability coverage generally helps address certain injuries or property damage you are legally responsible for causing to others, subject to the terms and limits of the policy.
Collision
Collision coverage generally helps pay for covered damage to your insured vehicle resulting from a collision, usually subject to a deductible and policy terms.
Comprehensive
Comprehensive coverage generally helps with certain covered losses to your vehicle that are not caused by a collision, such as theft, vandalism, or some weather-related events.
Uninsured / Underinsured Motorist
This type of coverage may help in certain situations involving a driver who has no insurance or not enough insurance, depending on the policy and applicable rules.
Medical-Related Coverage
Depending on the policy and state, certain auto coverages may help with eligible medical expenses after a covered accident.
Roadside & Other Options
Some insurers offer optional features such as roadside assistance, rental reimbursement, or other endorsements. Availability and terms vary.
Questions Worth Asking
Your situation matters. These are some useful questions to think about when reviewing auto insurance.
Have Auto Insurance Questions?
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