Auto insurance has many coverage options and may be complex. Many people don’t understand how they are covered or what they will do if they find themselves in an insurance claim situation. Let our ABNB Insurance professional agents teach you the basic types of car insurance and learn how to obtain the coverage you need for your unique situation.
Collision Coverage – This is the basic insurance type that covers your vehicle if you collide into something. This covers collisions with other cars as well as if you were to run into a fixed object such as a wall, barrier, bridge, house, etc.
Comprehensive Coverage – This coverage is for damage to your vehicle that is not directly related to a collision loss. This would include theft, fire, hail, rocks hitting the windshield, and miscellaneous incidents such a hitting an animal while driving. Comprehensive coverage is often used to cover glass claims as well.
Liability Coverage – This type of coverage is for damages when you are at fault in an accident and you damage someone else’s car or property. Liability also covers bodily injury to another person in an at-fault accident as well as the associated legal expenses. This is most the important coverage to have to protect your financial well-being, as the damage that can be caused in an auto accident is often severe. Liability coverage is also mandated by law, so it is important that you make certain you have an adequate amount to satisfy the law as well as an adequate amount to best protect your assets.
Medical Payments – This is also called PIP in some states. Medical payments coverage is for any injuries incurred in an accident or while in the proximity of your vehicle, regardless of fault. Medical payment insurance varies from state to state, so make certain you understand how it works in your state.
Now that you understand a bit more about the different types of auto coverage available, you are probably ready to find the right coverage for you. Let our ABNB Insurance team help you to compare insurance quotes. By doing so, you can rest assured you are getting the coverage you need at a price that works for you.