Many people have an auto policy but do not fully understand how their coverage or what they will do if they find themselves in the position to file a claim. Discover the basic types of car 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 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 a collision. This would include things such as theft, fire, hitting a deer or vandalism.
• Liability Coverage – This type of coverage covers the damages when you are at fault in an accident, and you damage someone else’s car or property. Liability coverage is often mandated by law, so it is important that you as the driver 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 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 paying a very competitive premium with a top rated carrier, and receiving the personal attention you need.