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auto insurance coverageChoosing auto insurance policy coverages can be confusing because there are so many different options available. This drives many consumers to simply choose the minimum coverages required by their state in order to satisfy the law rather than their need for financial security.

But the states have very low requirements when it comes to auto insurance and leaving your family’s future in their hands is a dangerous proposition. Instead, take a look at this guide with some common personal auto insurance coverage types and decide for yourself which are the most important to your family.

Bodily injury liability: If you are at fault in a car accident, you could hurt people within your car or outside of your vehicle. Bodily injury liability coverage offers insurance against the medical expenses and personal claims resulting from these injuries. It also has two different limits—one for single-person injuries and one for multiple person injuries.

Collision: If you hit another vehicle or if another vehicle hits you, your collision coverage will pay the damages.

Comprehensive coverage: There are some very real threats to your vehicle that don’t involve driving, including theft, flood, fire and vandalism. Comprehensive coverage from your insurance company covers the claims they bring in.

Medical payments: If you are in an accident and are injured, the medical payments coverage will pay for your medical expenses.

Personal injury protection: If you are in an accident, no matter who is at fault, personal injury protection (or PIP) will pay your medical expenses.  

Property damage liability: If you are at fault in an accident you may cause damage to someone else’s personal property (this includes their car, residence or other property) property damage liability can pay off claims associated with the damage.

Uninsured (or under-insured) motorist coverage: Unfortunately, even if your state requires it, not every driver has the proper auto insurance coverage. If you have uninsured or under-insured motorist coverage, then your insurance company will reimburse you in place of the other driver’s missing (or inadequate) policy.

The next time you are in the market for an auto insurance policy, consider the types of risk you and your automobile are exposed to each day and then, instead of buying insurance because your state says you must, buy insurance that will actually protect you from those risks. That is the only way to ensure that you have the coverage you need and your family deserves. Email or call us today for a free auto insurance quote at (888) 269-6860.

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