Having auto insurance is crucial if you want to protect yourself and your vehicle. It is also illegal to drive without proper insurance. However, how do you know what type of coverage you need? Below there are six main types of auto insurance that are available when you purchase a policy.

Liability

It includes two parts – property damage liability and bodily injury liability. The purpose of this type of auto insurance is to pay for the other party’s vehicle repairs and medical bills in case of a road accident. 

Collision 

This insurance covers repairs and the replacement of your vehicle after an accident. It also covers damage caused by collision with an object (for example, a tree or house) or an accident in which objects are not involved (for example, if the car flips). 

Comprehensive 

The goal of this type is to protect a vehicle against damages that are not caused by road accidents. For example, if a tree falls on your car, or it is stolen, comprehensive car insurance will step in and cover financial losses and repairs. 

Personal Injury Protection (PIP)

It is also known as no-fault insurance. It covers your medical expenses in case of an accident regardless of whose fault it was. Coverage can also extend to other drivers included in the policy, members of your family, and passengers. 

Auto Medical Payments

It is similar to PIP coverage, but it is more limited. It covers accident-related medical expenses for you as a driver, other policyholders, your household members, and passengers.

Uninsured Motorist Coverage

If you are injured, or your car is damaged in an accident caused by a driver without proper auto insurance,  this type of insurance will cover car repairs and your medical bills. 

If you are a car owner living in Eureka, MO, and you are looking for auto insurance for your vehicle, contact Focus Insurance. This reliable company has been in business since 1999. Whether you are looking for a new car insurance policy or you have questions to ask, do not hesitate to call Focus Insurance, whose qualified insurance agents are more than happy to assist.