☰ ˟
Auto Insurance Discounters
 
Call Us!
866.288.6545 Get A Quote
Español
  • Home
  • Coverage
    • Automobile
    • Auto Liability
    • Boat
    • Business & Commercial
    • Business Interruption
    • Business Owners Policy (BOP)
    • Collision
    • Commercial Auto
    • Commercial Property
    • Commercial Umbrella
    • Comprehensive
    • Cyber Liability
    • Employment Practices Liability
    • Errors & Omissions
    • General Liability
    • Homeowners
    • Identity Theft Insurance
    • Landlord
    • Manufactured Home
    • Motorcycle
    • Non-Owned Car
    • Non-standard Auto
    • Personal Umbrella
    • Professional Liability
    • Recreational Vehicle
    • Rental Property
    • Renters
    • Rental Car
    • Classic Car
    • Towing Insurance
    • SR-22
    • Uninsured/Underinsured Motorist
    • Workers Compensation
  • Quotes
    • Automobile
    • Boat
    • Business Owners Policy
    • Commercial Auto
    • Commercial Property
    • Cyber Liability
    • Errors & Omissions Quote
    • Homeowners
    • Landlord
    • Motorcycle
    • Non-Owned Auto
    • Professional Liability
    • Rental Property
    • Renters
    • SR-22
    • Non-standard Auto Quote
  • Service
    • Customer Service
    • ResourcesImage of right arrow
      • Frequently Asked Questions
      • Important Links
      • Insurance Glossary
      • Refer a Friend
      • Testimonials
  • Claims
    • Automobile
    • Boat
    • Business
    • Motorcycle
  • Blog
  • Payments
  • About
    • About Auto Insurance Discounters
    • About Independent Agents
    • Our Locations
    • Partners
    • Community Corner
    • Employment
    • Privacy Policy
    • Areas We ServeImage of right arrow
      • Bonner Springs
      • Lee's Summit
      • Liberty
      • Kansas City
      • Olathe
      • Overland Park
      • Oklahoma
      • Oklahoma City
      • Raytown, MO
      • San Antonio
      • St. Louis
      • Springfield
      • Texas
      • Houston, TX
      • Austin, TX
      • Topeka
      • Wichita
  • Contact
    • Contact Us
    • Customer Service
    • Join our Newsletter
Stop Paying Too Much for Insurance
Get Started
Home > Blog > Types of Auto Coverage You Need to Know
WEDNESDAY, NOVEMBER 1, 2023

Types of Auto Coverage You Need to Know

It's a good idea to review your car insurance policy if you plan to buy a new car, move to a new area or think you might need additional coverage. Let's consider the main types of auto insurance, so you can prepare for a discussion with your agent. woman driving a car

Liability Insurance 
For an accident that you cause, liability insurance reimburses you for damage you cause to another driver's vehicle or property. It also covers medical and other costs associated with injuries sustained by the other driver and their passengers. These categories are bodily injury liability and property damage liability. 

Liability insurance may follow the vehicle or the driver, so check with your agent to better understand how your policy works. All the same, you'll need the policy to accurately reflect the vehicle you own, and where you live. Most states require liability auto insurance. 

Collision Coverage 
This insurance protects you against collisions with an object or with another vehicle. It pays for repairs or replacement of your car, to a limit. If you have a newer vehicle, it may be worthwhile to purchase this insurance to protect your financial investment. Many lenders require collision coverage as a condition of your auto loan. As the car ages, you might no longer need collision coverage due to the car's diminished value. 

Comprehensive Coverage 
Comprehensive coverage pays for damages to your vehicle not caused by a collision. Each policy varies, but your policy may specify storm damage, theft, vandalism and fire as covered events. Animals that run out in front of your car, such as deer and elk, often fall under comprehensive car insurance. 

Your insurance agent can help you understand your policy's comprehensive coverage options. 

Uninsured/Underinsured Motorist Protection 
This type of car insurance protects you from drivers with no insurance or inadequate insurance. Most states require auto insurance as a condition for driving. However, some uninsured drivers still drive illegally. Others purchase the lowest coverage possible. Their insurance coverage limit may not cover the damage to your vehicle. 

That's where uninsured/underinsured motorist protection kicks in. This insurance covers the gap between the at-fault driver's insurance and the cost to fix or replace your vehicle. It may also pay for lost wages, medical expenses and other costs associated with the accident. Most uninsured/underinsured coverage include coverage for hit-and-run situations. 

Personal Injury Protection 
Personal injury protection (PIP) pays out benefits no matter who caused the accident. It covers most or all your medical and related expenses. Typical policies include funeral costs, lost wages and rehabilitation, too. 
Posted 2:59 PM

Tags: auto insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014

  • auto insurance(163)
  • insurance(146)
  • kansas city(99)
  • missouri(97)
  • auto insurance discounters(96)
  • tips(96)
  • safety(87)
  • kansas(84)
  • coverage(70)
  • car insurance(59)
  • sr-22 insurance(53)
  • commercial auto insurance(48)
  • motorcycle insurance(41)
  • savings(34)
  • business insurance(34)
  • boat insurance(19)
  • protection(15)
  • sr22 insurance(15)
  • costs(8)
  • home insurance(8)
  • driving(8)
  • maintenance(6)
  • rates(6)
  • business auto insurance(5)
  • liability(4)
  • commercial auto(3)
  • policy(3)
  • sr-22(3)
  • hillcrest transitional housing(3)
  • summer(3)
  • requirements(3)
  • weather(3)
  • motorcycle(2)
  • covid-19(2)
  • commercial insurance(2)
  • driving record(2)
  • collision(2)
  • christmas(2)
  • location(2)
  • new drivers(2)
  • advice(2)
  • comprehensive(2)
  • road trips(2)
  • assistance(2)
  • help(1)
  • recreational vehicle insurance(1)
  • older car(1)
  • santa claus(1)
  • storage(1)
  • st. paul's church lee's summit(1)

View Mobile Version
  • Hartford
  • Traders

  • Dairyland
  • Progressive
  • Travelers
  • Key Insurance
  • Cornerstone Group
  • GuideOne
  • Nationwide
Our Locations
Home About Us Get A Quote Refer A Friend Contact Us
Independence, MO
1312 South Noland Rd. | Independence, MO 64055 | 816.252.2255
Kansas City, MO
1151 Cleaver II Blvd. | Kansas City, MO 64110 | 816.822.7722
Kansas City, KS
4038 State Ave. | Kansas City, KS 66102 | 913.371.2255
Facebook Twitter LinkedIn Google Maps YouTube TrustedChoice
❯