Types of auto insurance coverage

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There are different types of coverage that an auto insurance company can offer according to people’s needs and conditions.

Liability

If you are found guilty for causing damages to other people’s car, a liability insurance coverage can pay for all damages and medical expenses. This is known as the more basic auto insurance coverage of all and it is mandatory everywhere. Liability coverage has to types:

Property Damage Liability: which covers damages caused by you, your car or others.

Bodily Injury Liability: covers medical expenses for you and others like doctor´s consulting, therapies, medicines, among others.

This is a very important auto insurance policy and is the one, most people start with, because it is necessary and mandatory.

Personal Injury Protection

This type of coverage takes care of your medical expenses and whoever’s was in the car at the moment of the accident no matter who crashed who. But it will not only pay for basic medical expenses, but it will also pay for rehab if the injures require this service, and a childcare service, to take care of children, while you are recovering.

Comprehensive Coverage

Comprehensive coverage pays for damages caused by a situation different than an accident, like for example an animal, hurricanes or if something like a tree or a post light falls on top of your car. This auto insurance coverage will not pay for medical expenses for you or for any other person, and it does not cover crashes against cars or any other object. This coverage will also protect you if you have an accident as a pedestrian.

Collision Coverage

This coverage pays for damages caused by crashing against an object like a traffic light or a tree. Collision coverage goes beyond other auto insurance plans because it will not only pay for damages to your car, but also if you have an accident with another car.

There are other types of coverage for auto insurance but these are the most common in the market.