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This article examines the various types of car insurance coverage’s available for the policy shopper. When it comes to auto insurance, there are plenty of options available besides the normal liability and collision policies. Additional coverage like uninsured motorist, rental car, comprehensive and towing can give the car owner extra piece of mind for a more pleasurable driving experience.

Liability Auto Insurance Coverage

Liability car insurance covers damages to the other party, caused by the fault of the insured car owner. In all areas of the country, liability insurance is mandatory. There are also minimum dollar limits that are mandatory that can vary by state. There are two types of basic liability car insurance.

• Bodily Injury covers medical costs incurred by other people involved in an accident
• Property damage covers damage to other cars and personal property involved in an accident

Collision Auto Insurance Coverage

Collision car insurance covers damage to the policyholder’s vehicle due to an accident from a collision.. There’s usually a deductible involved and the car owner should opt for the highest deductible they feel they can afford. The higher the deductible, the lower the policy amount.

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