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May 13, 2019

Types of Auto Coverage

Many know more about what’s in their yogurt than what’s in their auto insurance.

Personal Auto Insurance: You’re paying for it, but do you know what you’re buying?

Whether you drive in a big city or on a farm, your auto insurance policy will typically include several types of coverage. You may pay a separate cost for coverage type, and these costs will then be totaled as your auto insurance premium.

Several types of coverage that your auto policy might include are:

  • Collision

  • Comprehensive

  • Underinsured and uninsured motorist coverage

  • Bodily injury liability

  • Property damage liability

  • Medical payments or personal injury protection

Understanding Collision Coverage versus Comprehensive Coverage

Does it matter if your car hits the tree or the tree hits your car?

When you are shopping for auto insurance, you might find collision and comprehensive listed together as “physical damage” coverages. While they are often sold together, each offers different protection.

Collision coverage may provide coverage if your vehicle is hit by another car or if you hit a tree.

Comprehensive may provide coverage if your vehicle strikes an animal or is damaged by windstorm, vandalism, fire, theft, hail or flood.

You can learn more about the types of available auto coverage by visiting Cloverleaf Insurance or give us a call 1-800-530-5822.

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