auto insurance

What are the Different Types of Auto Insurance?

Over 200 million drivers in the United States are insured. However, recent research finds that more than 12 percent of American drivers are on the road without insurance coverage. This is both dangerous and illegal. You must carry at least liability insurance on any vehicle you drive. Driving without insurance can be very costly if you’re involved in a car accident, especially if you are at fault. Mona’s Auto Insurance Services is here to help. We have policies for anyone and can help you find the one you need. Here are some of the most common choices.

Liability Coverage

In the United States, any driver operating a vehicle must have it covered with a liability policy. If you are involved in a car accident and you’re at fault, this coverage will compensate the other driver for injuries and damage to their vehicle. It might not cover damage to your own car, but it helps protect you from being sued and having to pay out of pocket for the other driver’s loss and damage.

Collision Insurance

 This type of insurance only covers damage to vehicles involved in a collision. It won’t cover any medical costs due to injuries sustained as a result of the accident. It can help you repair or replace a vehicle that has been damaged in an accident. This may apply in instances where you’re at fault, as well as when the other driver is at fault.

Comprehensive Insurance

This type of insurance adds an extra layer of protection to your car, in terms of damage. It will cover you in the case of an auto accident, but also provides coverage for other kinds of damage. That includes vandalism, certain kinds of weather, and if you run over an animal. This type of coverage is ideal for new cars and offers peace of mind should something happen.

Uninsured Motorist Insurance

This is a type of insurance you may choose to add if you have a new car or one that’s worth a lot. It offers protection if you’re ever in an accident that isn’t your fault and the other driver doesn’t have adequate insurance coverage. It also helps get you compensated if you’re involved in a hit-and-run accident.

Personal Injury Protection Insurance

If you are involved in an accident that is covered by insurance, this additional policy offers compensation for medical care. It might also cover the loss of income that occurs if you are hurt in a collision. This is another addition to your policy that offers peace of mind just in case something happens.

How to Find the Right Auto Insurance Coverage

With so many options, including those that are not common and aren’t listed here, it can be overwhelming to choose the right policy for your needs. We’re here to help. We can help you find the ideal coverage for the specific vehicle you drive, whether it’s an old model or a brand new one. We offer a range of discounts and specials and are committed to helping you get the best insurance at a price you can afford. Call Mona’s Auto Insurance Services today to get a free quote. 

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