Auto insurance is a complicated matter. Many people have an insurance policy, but may not understand how they are covered or what to do when they need to make 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 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 to 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.
Tidewater Insurance Brokers has extensive experience with all car insurance types, and we're well-versed in helping you determine which coverage is appropriate for your needs. And if an accident does happen, we'll be standing by to work with the insurance carriers as your representative to ensure your claim is handled in your best interest. Get in touch if you'd like to explore your unique plan options that can keep your vehicle protected while getting the best rate available.