What Is the Most Important Coverage for Car Insurance

What Is the Most Important Coverage for Car Insurance
  • Opening Intro -

    Car insurance is something that you shouldn't leave home without.

    If you're ever in an accident, the costs involved could be so high that you wouldn't be able to cover them with your own money.


Car insurance can help make a bad situation much more bearable.

The best news is that you can customize your car insurance coverage to help you find more affordable premiums. One way to do that is to simplify your insurance plan to include only the most important types of coverage.

Here are a few things to know if you want to take that approach.

Protect Others

The most important type of protection you’ll want to have is designed to protect others. This type of protection covers your liability for injuries or property damage arising from accidents you cause.

You’ll notice this coverage is typically expressed as three numbers on an explanation of benefits.

  • The first number specifies how much your policy will pay for an injured individual in another vehicle.
  • The second number specifies how much your policy will pay, in total, for all injured individuals.
  • The third number specifies how much your policy will pay for property damage that you cause.

Protect Yourself

While not required in most states, self-protection coverage is also a good idea to add to your insurance policy. Personal medical cost coverage can help cover any medical bills resulting from a car accident in case your medical insurance doesn’t cover the entire bill.

Uninsured and underinsured motorist coverage is also good to have so that you will be protected if you’re in an accident with an individual who doesn’t have adequate insurance coverage.

This is especially important if you have a high deduction for your health insurance or if you anticipate needing more funds due to loss wages because of your recovery time.

Protect Your Vehicle

Fixing your vehicle after an accident can be expensive. That’s why many insurance companies recommend adding collision and comprehensive coverage to your insurance policy.

These coverages will help pay for the cost of vehicle repairs so that you don’t have to pay for the entire bill out of your own pocket.

  • Collision coverage protects you from damages caused by another vehicle.
  • Comprehensive coverage protects you from damage caused by animals, some severe weather events, and other non-vehicle-related accidents.

If you have questions about your coverage or are interested in getting a quote for this type of coverage, check with your local insurance company like the Lofrumento Agency, Inc. for more details.

Extra Protection

If you’d like to build out your policy further, there are plenty of different coverage options available. For example, you can add rental insurance to your policy that will help cover the cost of a rental vehicle while your vehicle is in the body shop for repairs.

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Roadside assistance coverage is another popular add-on that ensures you’ll never have to face a roadside breakdown alone. That way, even if it isn’t a car accident, you can still get coverage for the cost of a professional tow into town.

Other roadside assistance typically includes bringing a new battery to you in case your battery dies or even help getting your tiered inflated. One of the most common assistance is with bringing additional fuel to you in case you are stranded somewhere without any gas.

Change When Needed

The great thing about insurance policies is that you can change them as your needs change. If you need to add to or take away from your current coverage, you can do so with a quick phone call.

This ensures that your policy will always meet your driving and budget needs so that you can be a confident motorist wherever you’re driving.

Image Credit: what is the most important coverage for car insurance by twenty20.com

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