At Tammy Sower Insurance in Front Royal, VA, we understand that choosing the right auto insurance coverage can be overwhelming. With so many options available, it can be difficult to know which coverage is right for you. That’s why we’ve put together this comprehensive guide to the different types of auto insurance coverage.
Liability Coverage
Liability coverage is required in most states, and it covers the cost of damage or injuries you cause to others in an accident. This includes property damage and bodily injury. It is important to note that liability coverage only covers the other party’s damages, not your own.
Collision Coverage
Collision coverage is designed to cover the cost of repairing or replacing your vehicle in the event of a collision, regardless of who is at fault. This coverage is typically required if you are leasing or financing your vehicle.
Comprehensive Coverage
Comprehensive coverage is designed to cover damage to your vehicle that is not the result of a collision. This includes things like theft, vandalism, and weather-related damage. Comprehensive coverage is typically optional, but it may be required if you are leasing or financing your vehicle.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage is designed to protect you in the event that you are involved in an accident with a driver who is uninsured or underinsured. This coverage will help cover the cost of damages and injuries that the other driver is unable to pay for.
Medical Payments Coverage
Medical payments coverage, also known as personal injury protection (PIP), covers medical expenses for you and your passengers in the event of an accident, regardless of who is at fault. This coverage can also help cover lost wages and other expenses related to the accident.
Gap Insurance
Gap insurance is designed to cover the difference between the value of your vehicle and the amount you owe on your lease or loan in the event of a total loss. This coverage is typically required if you are leasing or financing your vehicle.
Roadside Assistance
Roadside assistance coverage is designed to provide help if you are stranded on the side of the road. This coverage can include things like towing, battery jump-starts, and flat-tire changes.
Choosing the right auto insurance coverage can be overwhelming and we at Tammy Sower Insurance in Front Royal, VA, understand. That’s why we work with our clients to help them find the coverage that is right for them. Contact us today to learn more about our auto insurance coverage options.
