Auto insurance is a complicated. Many people don't understand how they are covered or what they will do if they find themselves needing to claim a covered loss. Let our Member's Assurance professional agents teach you the basic types of car insurance and learn how to obtain the coverage you need for your particular 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 wall, barrier or bridge.
- Comprehensive Coverage – This covers anything that may happen to your car that is not directly related to a collision. This would include theft, fire, hitting a deer or vandalism. 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 in an at fault accident as well as legal expenses. Liability coverage is often mandated by law, so it is important that you make certain you have an adequate amount.
- Medical Payments – This is also called PIP in some states. Medical payments pay for any injuries to the driver or passengers in your car if an accident occurred while you were driving. Medical payment insurance varies from state to state, so make certain you are covered as expected.
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 Member's Assurance 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.