Introduction
Auto insurance is a necessary expense for every driver, as it provides protection in the event of an accident or theft. However, with so many different types of coverage available, it can be difficult to know which ones you need. In this blog post, we’ll discuss the essential coverage types for every driver, so you can make informed decisions about your auto insurance policy.
Liability Coverage
Liability coverage is the most important type of auto insurance coverage you can have. It provides protection if you’re at fault in an accident and someone else is injured or their property is damaged. Liability coverage is required in most states, and it typically includes two types of coverage:
Bodily Injury Liability
Bodily injury liability coverage pays for the medical expenses and lost wages of the other party if you’re at fault in an accident that injures them.
Property Damage Liability
Property damage liability coverage pays for the cost of repairing or replacing the other party’s property if you’re at fault in an accident that damages their property.
Collision Coverage
Collision coverage pays for the cost of repairing or replacing your own vehicle if it’s damaged in an accident, regardless of who is at fault. This coverage is typically required if you have a car loan or lease, and it can be helpful even if you own your vehicle outright.
Comprehensive Coverage
Comprehensive coverage pays for damage to your vehicle that is not caused by a collision, such as theft, vandalism, or damage from natural disasters. This coverage is also typically required if you have a car loan or lease.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage provides protection if you’re in an accident with someone who doesn’t have insurance or doesn’t have enough insurance to cover the damages. This coverage is not required in all states, but it can be valuable in protecting you from costly expenses.
Conclusion
Auto insurance is an important expense for every driver, but it can be overwhelming to choose the right coverage. By understanding the essential coverage types, you can make informed decisions about your policy and protect yourself from financial loss in the event of an accident or theft.
Request a Quote Today
Protect yourself and your vehicle with the right auto insurance coverage. Request a quote today by calling our office at 541-447-6372 or reaching out to us on social media. We’re here to help you find the right coverage for your needs in Oregon, Washington, and the Pacific Northwest.