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Types of Auto Insurance Coverage

If you are in the process of seeking auto insurance, you may have found yourself rather frustrated. It can be difficult in sorting through the different auto insurance products that are available on the market today. In this regard, you may have had a tough time sorting through the different types of auto insurance coverages that are available on the market today. This brief article has been prepared for your own use in coming to a better understanding of the different types of auto insurance coverages that are available on the market today. Of course, if you find that you have more questions about auto insurance after you have had the chance to read this article, you will want to visit with an auto insurance professional. In addition, the insurance commissioner and his or her staff can also provide you with some basic and essential information about the different types of auto insurance coverages that are available in your state. In addition, the insurance commissioner's office can also explain to you the requirements in your state in regard to auto insurance coverage.

Auto insurance is required in at least 47 states by law, since this requirement is considered so important it may be a good idea to know what the law expects you to have in the way of auto insurance, and the other types of options that are available to you.

To begin with it is important to take into consideration a few important factors, such as the value of your car, what your budget for auto insurance is, and your current driving record, below are some of the coverage options available to drivers.

  • Law in most states requires liability insurance for anyone who drives a car. This type of cover is for accidental injury, or harm that is caused by an accident if you are responsible. Liability also covers court costs.
  • Collision coverage is insurance that covers the damage done to the insured persons car in the event of an accident, where the vehicle hits another car or object.
  • Comprehensive insurance covers damage done to a vehicle when it is not involved directly in an accident, for example fire, hail, vandalism or theft.
  • Medical coverage pays for medical expenses, when medical attention or care is needed as a direct result of a car accident.
  • PIP or personal injury protection insurance is required in most states in order to drive a vehicle; PIP will pay the medical expenses of a person as a result of a car accident.
  • Uninsured motorist insurance covers the insured drivers vehicle when it is involved in an accident, when a driver who is at fault either has no insurance, or is under insured.
  • Rental reimbursement insurance pays for a rental car when the insured persons car is damaged or unable to be driven because of a car accident.
Many auto insurance companies allow the insured to choose a number of these covers in their policy. Once again, and as has been mentioned, in most states, you will be required to maintain some of these different types of coverages in at least minimum amounts as is set forth in the laws of those states. If you do live in one or another of these states, you must make certain that you remain in compliance with the law.


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