Auto insurance can be 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.
- Collision Coverage – This is the basic insurance type that covers your vehicle if you collide, or run into, something. This covers collisions with other cars as well as if you were to run into a wall, tree, or sign.
- Comprehensive Coverage – This covers anything that may happen to your car that is not directly related a collision. This would include things such as theft, fire, hitting an animal 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 it is important that you as the driver make certain you have an adequate amount.
- Personal Injury Protection – This is also called medical payments in some states. Personal Injury Protection pays for injuries to the driver or passengers that occur if an accident occurred while you were driving. Personal Injury Protection insurance varies from state to state, so make certain you are covered as expected.
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. By doing this, you can rest assured you are getting the best deal as well as getting the personal attention you need. We are able to shop many companies in Utah, Nevada, and Arizona to find you the best coverage’s and rates.