Because it is required by most states, auto insurance is the most widely purchased type of insurance coverage in the U.S. Its purpose is to help vehicle owners cover the costs of physical damage to vehicles, property, and individuals after an accident. The challenge lies in deciding which policy provides the right coverage you needs. Most policies will have a mixed combination of the following types of coverage.

Liability Coverage

• Liability coverage protects policy holders, up to their policy limits, from bodily injury and property damage liability when they are at fault in an accident. The state minimum liability requirements will usually only cover the cost of minor accidents and damages. Consequently, it may be wise to purchase a little more liability coverage.

Uninsured / Underinsured Coverage

• This type of coverage exists to pay for damages that a policy owner sustains in an accident, at no fault of their own, that a faulty third-party is unable to pay because they are either uninsured or underinsured. This type of insurance is rarely mandatory under state laws, but with one out of every three drivers on the road categorized as uninsured or under insured, it may be a valuable coverage to own.

Collision and Comprehensive Coverage

• Collision and Comprehensive insurance compensates policy holders for damages, usually based on the Actual Cash Value of the vehicle or repair cost, sustained through mishaps such collisions, vandalism, theft, fire, falling objects and other natural causes. This coverage provides a way for individuals to receive compensation for damages caused by no accountable party.

Medical Payments Coverage

• Medical payments coverage will help cover the cost acquired in caring for personal injuries sustained by policy holders, their families, and in some cases passengers as well.  Unlike traditional health insurance, Medical Payments coverage does not have deductibles, co-pays or co-insurance.

All four of these coverages protect drivers from different risks they face when on the road. In addition to being highly useful commodities, cars are also expensive investments and most people cannot afford to repair or replace them easily. You may not need every type of coverage available, but added protection certainly helps when disaster strikes. To determine the type and amount of coverage you need, speak with one of our knowledgeable agents. (try the Contact Us page now) By learning about your individual needs, auto history, financial situation and family responsibilities, our agents can help you find the right policy to provide you with outstanding auto insurance.