Understand Different Types of Coverage:

Car insurance policies typically consist of several types of coverage, each serving a specific purpose. Some common types of coverage include:

  • Liability Coverage: Covers bodily injury and property damage liability if you’re at fault in an accident.
  • Collision Coverage: Pays for damage to your vehicle caused by collisions with other vehicles or objects.
  • Comprehensive Coverage: Provides coverage for damage to your vehicle from non-collision events such as theft, vandalism, fire, or natural disasters.
  • Personal Injury Protection (PIP): Covers medical expenses and lost wages for you and your passengers regardless of fault.
  • Uninsured/Underinsured Motorist Coverage: Protects you if you’re involved in an accident with a driver who doesn’t have insurance or has insufficient coverage.