A Comprehensive Guide To Different Types Of Auto Insurance

Most of us have auto insurance and know generally how it works. But, what about other types of insurance? In different states, these coverages range from optional or mandatory.
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If you want to update your current auto coverage, you must be familiar with the different ones available. To help you out, the following is a comprehensive guide to the common types of car insurance and their coverage.

Liability Coverage Insurance
In the United States, liability insurance is mandatory. This auto insurance covers property damage and bodily injuries that made you legally liable.

Bodily Injury Liability Insurance
Road accidents may happen anytime. And there’s a chance that you may be the reason behind this road mishap. This auto insurance will cover all the expenses if someone gets injured because of the accident you caused.

Collision Coverage Insurance
Collision coverage is another auto insurance type that covers the expenses associated with your property or vehicle damages. This includes any destruction caused by a vehicle collision or hitting a tree or other stationary objects.

Personal Injury Protection Insurance or Medical Payments
If you can’t go to work because of severe injuries, this type of insurance can pay you for lost wages. The Personal Injury Protection Insurance covers all the medical expenses you will need for treatment caused by a car accident. If your passenger is extremely hurt, which leads to his death, PIP insurance will cover the funeral bills.

Comprehensive Coverage Insurance
Comprehensive car insurance will reimburse you if your vehicle is lost or damaged for other reasons beyond collision. For instance, this type of auto insurance covers damages caused by falling objects, animals, or fire.

Summary
Car accidents may happen anytime. An auto insurance policy will help you pay all the damages caused by the collision you are involved in.

At Black and Associates Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (509) 464-0058. Get your free quote today by CLICKING HERE. The coverage discussed is not guaranteed. Please contact our agents to make sure you have adequate coverage and your needs are being met. We are happy to help!