Different types of car insurance coverage explained

Different types of car insurance coverage


How do you know what kind of insurance you need? Is it required by your state? Is there any way to save money and have the right amount of coverage? Below we have provided a few scenarios where you would benefit from having a non-required coverage added to your insurance policy along with few tricks to save some cash depending on your vehicle type (like older, new, cheap or expensive) and budget…

There are Different types of car insurance coverage

  • Liability Coverage. Auto liability coverage is mandatory in most states
  • Uninsured and Underinsured Motorist Coverage
  • Comprehensive Coverage
  • Collision Coverage
  • Medical Payments Coverage
  • Personal Injury Protection
  • Uninsured /Underinsured Motorist Protection
Different types of car insurance coverageIf you cause an accident then standard coverage begins at the minimum possible required by state’s law protects others and their property. at this coverage level, you’re as yet in charge of repairing or replacing your auto out of your own pocket, which might be acceptable to you if your auto is old or having less value. You should extend your car protection with collision and comprehensive coverage if your car expensive. Remember that you may already be required to extend coverage by your moneylender if you are leasing or financing your car.

Let us talk about standard and extended types of car insurance coverage

Standard Coverage – Protects Others

These are all included in this coverage.
  • Bodily Injury Liability

    Covers injuries to others when you’ve caused an accident, including:



    • Medical Expenses
    • Legal Fees
    • Lost Income
    • Pain and Suffering
    • Funeral Costs
  • Property Damage

    Repairs or replaces someone else’s property you damaged in an accident, including:
    • Another Vehicle
    • Other Property (like a mailbox or a fence)
  • Medical Payments

    Covers the initial medical treatment for you and your passengers, including:
    • Ambulance Transportation
    • Emergency Room Care
    • Hospital Stay
    • Other accident-related expenses.

Extended Coverage – Protects Your Car Too

These are added to your standard coverage.
  • Collision

    Repairs or replaces your car when it’s damaged in collisions with:
    • Another Car
    • Another Object (like a guardrail or a tree)
  • Comprehensive

    Repairs or replaces your car when it’s damaged in an incident other than a collision, including:
    • Storms
    • Floods
    • Fires
    • Vandalism
    • Theft

    Tip: It’s usually relatively inexpensive to add uninsured/underinsured motorist protection to your auto insurance policy, especially considering how much protection it offers. Companies offer different types of car insurance coverage so you can have according to situation



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