Many do not understand their auto insurance in the event of a claim. Discover the basic types of auto insurance and find out 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, or run into, something. This covers a collision with another vehicle and if you were to run into things like a wall, barrier or bridge.
• Comprehensive Coverage – This would cover things other than collision. This would include things such as theft, fire, hitting a deer, or if someone vandalized your vehicle.
• Liability Coverage – This type of coverage covers the damages when you are at fault in an accident, and you cause damage to someone else’s car or property. Liability coverage is often mandated by law, so it is important that you have an adequate amount.
• Medical Payments – This is also called PIP in most states. Medical payments pay for any injuries to the driver or passengers that occur 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 insurance available, we can help you find the right coverage tailored to your needs. We are an independent agency and can compare many top rated insurance options and do the shopping for you. By doing this, you can rest assured you are getting the best deal as well as getting the personal attention you need.