Auto insurance is something that every driver in the United States is required to have. But when choosing a policy, most people don’t know where to start.
There are so many types of auto insurance coverage available that it can be confusing to figure out what you need. This blog post will discuss the different types of auto insurance coverage available and what each one covers.
1. Liability Coverage
Liability coverage is the most basic type of auto insurance coverage. It covers bodily injury and property damage you may cause to another person in an accident. This type of coverage is required in almost every state.
If you are at fault in an accident, your liability insurance will pay for the other driver’s medical bills, property damage, and other expenses related to the accident. Liability insurance will also pay for your legal fees if you are sued.
2. Collision Coverage
Collision coverage is optional in most states, including Rome, GA, but it’s a good idea if you own a newer or more expensive vehicle. Collision coverage pays for damage to your car if you’re involved in an accident.
If you have collision coverage and are at fault in an accident, your insurance company will pay to repair or replace your vehicle. If you are not at fault, your insurance company will still pay to repair or replace your car, but they will also seek reimbursement from the other driver’s insurance company.
3. Comprehensive Coverage
Comprehensive coverage is also optional in most states, but it’s a good idea if you own a newer or more expensive vehicle. Comprehensive coverage from reputable agencies such as Coosa Valley Financial Group pays for damage to your vehicle that’s not caused by an accident. This includes damage from weather, theft, vandalism, and animals.
Types of Auto Insurance: A Guide
There are many different types of auto insurance coverage available. The coverage you need will depend on your vehicle, driving record, and budget.
If you are looking for Rome, GA auto insurance, Coosa Valley Financial Group can help. We offer a wide range of auto insurance options and can tailor a policy to meet your needs.
