Auto Insurance: Which One To Choose?

​Auto insurance is a big part of our everyday lives. We all need to have some form of coverage, whether for personal injury or an accident on the road. Nevertheless, understanding what to look for in auto insurance is good because it gives you the confidence to drive around without worry.
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Here are 7 basic types of auto insurance coverage and how they work.

1. Liability Coverage 
   This type of coverage helps protect your car, home, or other property. Liability coverage may help you pay for damages caused by accidents you are legally responsible for, for instance, bodily injuries and property damage to others. 
   
   
2. Comprehensive insurance
   Comprehensive insurance provides an extra layer of coverage. It is designed to pay for damage to your car in an accident and incidents besides collisions, including vandalism, weather events such as floods and hurricanes, and accidents with animals.
   
   
3. Collision insurance
   Collision insurance is something that entitles you to compensation in an accident with another vehicle or an object like a tree. It could also help to repair or replace your car after an accident.
   
   
4. Personal Injury Protection & Medical Payments Coverage
   These insurances cover you and your family’s costs no matter who is at fault. Coverage includes medical costs, lost wages, and other related costs resulting from an accident, even if the involved party doesn’t have health insurance. 
   
   
5. Uninsured motorist insurance 
   This insurance protects you from drivers who don’t have the necessary financial protection in case of an accident, which could leave you with a hefty medical bill.
   
   
6. Gap insurance
   Gap insurance is for those who still owe money on their cars and need to pay off the vehicle if it has gone through an accident. 
   
   
7. Rental reimbursement insurance
   Rental car reimbursement is like a small loan, which covers the cost of renting. You wouldn’t need to pay for the rental yourself if you can’t drive your vehicle because of a covered collision or comprehensive insurance claim. 

Conclusion
We know that getting insurance is hard, and the types may be confusing too. That is why we want to make it as simple as possible. Coverage is not guaranteed, make sure you chat with your insurance agent to know what your policy does and does not cover. We are happy to help you with the coverage you need!

At Family Auto Insurance Agency, we do our best to ensure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (313) 285-9042 or Click Here to request a free quote.