Car insurance coverage varies in its scope just like any other kind of insurance. For this reason, there are many different types of car insurance policies that may or may not be appropriate for your needs and circumstances.
To help you better understand the ins and outs of car insurance, we’ll break down the three most common types of car insurance policies below.
- Liability insurance. This type of car insurance is typically considered the bare minimum insurance that you need to own and drive a car. It covers damages and injuries to other drivers if you are determined to be at fault in an accident. Liability insurance is broken down into two subsets: bodily injury liability, which covers the cost of the other driver’s medical bills, and property damage liability, which covers the cost of repairing damages to the other driver’s vehicle.
- Uninsured motorist coverage. Most states require liability insurance, but if you are in an accident caused by an uninsured driver, you’ll still want coverage for any bills you incur as a result, even though they don’t have coverage for those bills. Uninsured motorist coverage helps cover the cost of your medical bills even when the other driver doesn’t have car insurance.
- Comprehensive coverage. As the name suggests, comprehensive coverage offers coverage options that aren’t included in other types of car insurance. This usually optional type of insurance may cover non-collision caused damages, such as those caused by theft or hail.
If you’re searching for a car insurance policy but don’t know where to start, contact our team here at Pietila Family Agency.