What Does Auto Insurance Cover?


    No matter how careful a driver you are or how well-maintained your vehicle is, something could always go wrong. In fact, it’s estimated that about 74% of all accidents are due to driver error.

    If you’re unfortunate enough to be in an accident, regardless of who’s at fault, it can spell trouble for you if you don’t have auto insurance to cover the cost of repairing your vehicle.

    So, what does auto insurance cover? Let’s take a look!

    Comprehensive Coverage

    Auto insurance covers comprehensive coverage and protects your vehicle from damage that is not caused by collision.

    This can include events such as fire, theft, vandalism, or weather damage. It is important to note that comprehensive coverage is not required in every state, but it is a good idea to have if you can afford it.

    It is important to learn more and have auto insurance in case of an accident, as it can help to protect you financially.

    Collision Coverage

    Pays for repairs or replacement of your vehicle if it’s damaged in a collision with another vehicle or object, such as a tree or guardrail.

    Collision coverage is generally sold with a deductible, which is the amount you pay out of pocket before your insurance policy kicks in.

    Liability Coverage

    It protects you financially if you are responsible for an accident that damages someone else’s property or injures another person.

    Liability coverage also pays for your legal defense if you are sued as a result of an accident. If you do not have liability coverage, you could be forced to pay these costs out of your own pocket.

    Uninsured/Underinsured Motorist Coverage

    This is a type of insurance that helps to protect you financially if you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the damages they have caused.

    This coverage can help to pay for damages such as medical bills, lost wages, and property damage. It is important to note that this coverage does not cover damages caused by hit-and-run drivers or by drivers who are under the influence of drugs or alcohol.

    Medical Payments/Personal Injury Protection Coverage

    There are a few personal injury coverages that are typically included in auto insurance policies. Medical payments coverage can help pay for your own injuries after a car accident, no matter who is at fault.

    This can be helpful if you have high out-of-pocket costs for your medical care. Personal injury protection (PIP) is another type of coverage that can help pay for your medical expenses, as well as lost wages and other costs, up to a certain limit. PIP is required in some states but not in others.

    Savings on Your Auto Insurance Policy

    Auto insurance is important to have to protect yourself financially in the event of an accident. It can cover things like your car, medical expenses, and property damage. Make sure you are aware of what your policy covers and talk to your agent if you have questions.

    To find out more, check out our auto section and visit the rest articles on our blog.