Auto Insurance

Auto insurance is a complicated matter. Many people have an insurance policy but do not exactly understand how they are covered or what they will do if they find themselves in the position of needing to utilize their insurance. Discover the basic types of car insurance and find out how to obtain the coverage you need for your particular situation.

The Facts About Auto Insurance

Collision Coverage

This is the basic insurance type that covers your vehicle if you collide with something. This covers collisions with other cars as well as if you were to run into a wall, barrier, or bridge.

Comprehensive Coverage

This covers anything that may happen to your car that is not directly related to a collision. This would include things such as theft, fire, hitting a deer, or vandalism.

Liability Coverage

This type of coverage covers the damages when you are at fault in an accident and you damage someone else’s car or property. Liability coverage is often mandated by law, so you as the driver must make certain you have an adequate amount.

Medical Payments

This is also called PIP in some states. Medical payments pay for any injuries to the driver or passengers that occur if an accident occurred while you were driving. Medical payment insurance varies from state to state, so make certain you are covered as expected.

PIP Coverage

Personal injury protection (PIP), aka no-fault insurance, helps cover expenses for medical costs, lost funds, funeral costs after automobile accidents, and more, no matter who is at fault.

Uninsured & Underinsured Coverage

If you get hit by a driver without enough liability coverage, or if you do not get their information, uninsured and underinsured motorist coverage financially protects you from these drivers. These types of coverage are used when the driver at fault has none/not enough liability coverage and it can save you from having to pay out-of-pocket costs.

Rental Coverage

For some drivers, rental car insurance is a necessity, but for others, you may be covered already without knowing it, as the coverage on your personal car may cover rentals. There still may be some reasons why rental car insurance is important for you.

Towing Coverage

Towing and labor cost coverage is optional insurance coverage that you can add to your plan. This usually protects against some of the costs associated with common roadside breakdowns, flats, and lockouts. 

Now that you understand a bit more about the different types of auto insurance available, you are probably ready to find the right coverage for you. The best way to do this is to work with an independent agency that will allow you to compare insurance quotes online. The best way to do this is to work with Navitate Insurance Advisors. By doning this, you can rest assured you are getting the best deal as well as getting the personal attention you need.

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