Type of Auto Insurance Cover

Liability Coverage

Liability coverage is mandatory in most U.S. states as the minimum requirement to drive a car. Liability coverage means that a driver is legally responsible for any damage he or she causes while driving.

There are two types of liability coverage, bodily damage, and property damage. Bodily damage coverage helps pay for costs related to bodily injuries inflicted on others while driving and property damage helps pay for damage to other people’s property.

Uninsured and Underinsured Motorist Coverage

Uninsured Motorist Coverage protects you from drivers who do not have an auto insurance policy or if you are involved in a hit-and-run accident. If the other party in the accident is liable and does not have the correct cover to pay for any expenses as a result of the accident, uninsured motorist coverage helps cover any medical or other expenses related to the accident. Underinsured coverage pays for your expenses when the liable party has insurance but it is not sufficient to cover all of your expenses.

Comprehensive Auto Insurance

Comprehensive insurance or coverage helps cover the cost of damage to your car which wasn’t collision-related. The most common comprehensive cover cases involve fire, theft, and vandalism damage. If any of these occur, comprehensive coverage will help you to replace or repair your car. Cover like comprehensive insurance may also pay out if you need repairs after damage caused by animals, broken glass, weather damage - such as severe hail showers, and falling trees or other objects.

Auto Collision Coverage

Collision coverage will usually pay for damage to your vehicle after accidents with other road users. This form of insurance is helpful in cases of minor accidents like a collision with another vehicle or crashing into a wall. Collision coverage will help repair or replace your damaged vehicle.