Auto Insurance

When shopping for auto insurance, it sometimes isn’t easy to know which services you need and which ones are just extras. The following is an organized list of the best features of auto insurance.

Liability

Auto Liability is something you definitely need. When you get in an accident, you can sometimes be responsible for damages to the car, the person, and any court fees that come up from lawsuits. If you have liability insurance than the insurance company will cover all of those fees and, if you find a good insurance company, your premiums won’t go up.

Personal Injury Protection

Personal Injury Protection is very important too. If you get hurt in an accident then your insurance company will pay for hospital bills, funeral costs, and sometimes lost wages caused by inability to work.

Medical Payments

This is just an excuse to charge you more. As long as you have Personal Injury Protection, you don’t need this.

Collision

This is to cover personal damage to your car. Liability insurance will not cover your own vehicle.

Comprehensive

Comprehensive coverage is what you get on those commercials that show a paint can hitting the side of your car, followed by a bucket of nails, and then a ton of bricks lands on your roof. It covers anything that’s not your average collision. Generally things like theft, wind/hail damage, or just hitting a deer would be covered by comprehensive coverage.
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