Car Insurance

Have you ever had trouble distinguishing the difference between insurances such as liability, personal injury, collision, comprehensive and more? Here well organize the different types of insurance so you can better understand what you’re paying for.

Liability Insurance: This coverage will help protect you from lawsuits and similar claims that can arise from an accident. If you’re at fault in an accident liability insurance helps cover the costs of injury and property damage.

Personal Injury Protection: This is an extension of car insurance that deals with medical expenses and can cover lost wages and other damages. It will cover you or the passengers in your vehicle.

Collision Insurance: Damages to your vehicle in an accident are covered under this coverage. This insurance helps pay to repair or even replace your vehicle.

Comprehensive Insurance: When thinking of comprehensive coverage, think about things that aren’t under your control. Vandalism, natural disasters, theft, an accident with an animal - these are all covered under comprehensive insurance.

Uninsured/Underinsurance Motorist Insurance: If you get in an accident with someone who has no insurance, little insurance, or leaves the scene of the accident, this coverage will help with the costs associated with the accident.

Gap Insurance: If you took out a loan to get your car and get the car damaged, but your insurance doesn’t cover the total cost of that loan, gap insurance may help split the difference.

In the United States, at the minimum, most states require Liability insurance that covers bodily injury and property damage. If you’re looking for insurance these are almost always going to be mandatory, although some states may require Personal Injury Protection and Uninsured Motorist Insurance. We recommend looking up your state laws to be certain.

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