Auto Insurance Policies And Their Types

​Shopping for auto insurance?  There are different types of policies to choose from, and knowing each can make a difference in ensuring you get the right policy. In this article, we will talk about the different types of auto insurance and what they cover. 

1. Collision Coverage 
   Collision coverage pays for damages to your car after another vehicle accident. This policy covers the cost of repairs or replacement of a covered vehicle. Remember that your insurer will only cover the amount up to its cash value minus your deductibles. While optional, it may be required by a leaseholder or lender. 
   
   
2. Comprehensive Insurance 
   With comprehensive insurance, you can get extra coverage in case of accidents. In addition, it helps pay for damages outside of accidents and collisions. It shoulders the costs of damages related to a covered peril, such as theft, fire, hail, or vandalism. Similarly, you will only be covered up to the actual cash value. 
   
   
3. Liability Coverage 
   Liability coverage is a requirement in most US states. It helps pay for damages for injuries incurred by other drivers, which you may be liable for. Liability coverage has two components: 
   
   Bodily injury liability covers costs related to injuries to a person incurred during an accident. 
   
   Property damage liability pays for damages caused to properties due to a collision or accident 
   
   
4. Underinsured Motorist Insurance 
   Due to budget constraints, most drivers carry only the minimum liability coverage. However, this may not be enough during an accident. Underinsured motorist insurance can pay for the costs of injury or damages during an accident involving a driver whose insurance may not be enough to shoulder the costs. 
   
   
5. Uninsured Motorist Insurance 
   Similarly, accidents may involve drivers who do not have insurance coverage at all. Uninsured motorist insurance pays for medical bills due to injuries incurred during an accident. This is often paired with underinsured motorist insurance. 
   
   
6. Personal Injury Protection 
   Personal injury protection shoulders certain medical expenses and loss of income incurred from a covered accident. Depending on policy limits, personal injury protection could cover up to 80% of medical and other expenses resulting from an accident. 

Get Peace of Mind While Driving With Auto Insurance
While you may be safety conscious when driving, things are beyond your control on the road. This is where having auto insurance can make sense. You can drive with peace of mind knowing that your insurer has covered you in case of an accident. 

At Roper Insurance Services, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (828) 697-6709. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!