Types of Coverage:

Car insurance typically consists of several types of coverage, each serving a different purpose:

  • Liability Coverage: This covers damages you cause to other people’s property or injuries they sustain in an accident where you’re at fault. It’s usually required by law.
  • Collision Coverage: This covers damage to your own vehicle in case of a collision with another vehicle or object.
  • Comprehensive Coverage: This covers non-collision-related damages to your vehicle, such as theft, vandalism, or natural disasters.
  • Personal Injury Protection (PIP) or Medical Payments Coverage: This covers medical expenses for you and your passengers in case of injury in an accident, regardless of fault.
  • Uninsured/Underinsured Motorist Coverage: This covers your expenses if you’re in an accident caused by a driver who doesn’t have insurance or has insufficient coverage.

Understanding these coverage options is essential for choosing the right policy for your needs.