When it comes to obtaining auto insurance, you must have, at least, liability insurance to legally drive your vehicle. However, this auto insurance typically does not cover your vehicle and bodily injury if you get in an auto accident. It only covers the other party’s auto repair, medical costs, and more if you are at-fault in the accident. Having said that, there are more types of auto insurance coverage you can have, and the following includes the six common types of auto insurance protection:
1. Bodily Injury Liability
This insurance coverage is for the policyholder and family members’ injuries.
2. Personal Injury Protection (PIP)
This insurance coverage is for the driver and passengers’ injuries of the policyholder’s vehicle. It typically covers lost wages, medical payments, and even funeral costs.
3. Property Damage Liability
This insurance coverage is for damage to another party’s property caused by policyholders or someone permitted to drive the policyholders’ vehicle.
4. Collision
This insurance coverage is for damage to the policyholder’s vehicle due to a collision from another vehicle, vehicle flipping over, or an object. It does not matter who was at-fault with this coverage.
5. Comprehensive
This insurance coverage is for damage not caused by a collision, such as riots, vandalism, windstorms, earthquakes, floods, and animal contact.
6. Underinsured and Uninsured Motorist Coverage
This covers auto damage and bodily harm due to an underinsured or uninsured motorist.
As previously mentioned, these are common types of auto insurance. Other types of coverage include rental car reimbursement, gap insurance, accident forgiveness insurance, and more.
For more information about auto insurance, contact Arial Insurance Group today. Located in Lincolnshire, a northern suburb of Chicago, IL, the agents at Arial Insurance Group have over 30 years of auto insurance experience in Chicago, IL, and surrounding areas. Thus, you will be in good hands with this agency. Contact them today.
