What Does Auto Insurance Cover?
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.
How Do I Find The Best Coverage For Me?
The best way to find out what coverages you need in your specific situation is to speak with a personal agent. Most companies will write you the cheapest policy, or a standard policy that they write everyone else. Here at Clover we are your advisors, and take time to listen to what's important for you and craft your coverages to be unique to your situation and needs.