If you own a car and drive regularly, it is also essential to have car insurance. It protects you if you get involved in a car accident, or something happens to your vehicle. There are many auto insurance types, so deciding which one you need can be challenging. Let’s take a look at the most common types of car insurance:
Types of Auto Insurance Coverage
- Collision coverage. It covers the damage to your car if you hit another car or object. If your vehicle is totaled, collision coverage will cover the value of your car. This type of coverage is mandatory for everyone who has a lienholder.
- Comprehensive coverage. While collision coverage covers road accidents, comprehensive coverage covers situations unrelated to a covered accident, such as vehicle theft, weather damage, or hitting a deer.
- Liability coverage. This coverage will help you if you are involved in a car accident and your actions cause this accident. This type of auto insurance will cover property damage and medical bills from resulting injuries.
- Bodily injury liability. This type of insurance protects you against financial loss if you hurt someone in a car accident. For example, if you run a red light and hit a person crossing the road, this type of auto insurance will pay for the medical treatment of an injured person.
E.S.T.I.R. Inc. – an Insurance Agency in Bloomfield, NJ Known for Excellence and Experience
Are you shopping for car insurance to protect your vehicle and yourself? Do not hesitate to contact E.S.T.I.R. Inc. – an insurance company in Bloomfield, NJ that has been in business since 1999. Our company specializes in different types of insurance, including commercial, home, and auto insurance. If you have any questions about insurance types or need help choosing the best insurance plan for you, feel free to contact us.