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Choosing the right auto insurance coverage is vital to your financial security, but when navigating the complex marketplace, it’s not always easy to determine what's the most suitable plan. Making certain you’re adequately insured requires gaining a clear understanding of your options. According to the experts at Kleppinger Insurance in Bethlehem, Pennsylvania, becoming familiar with the main types of auto insurance policies can make a difference in how much you pay for your premium and how well you’re protected.

Below, the insurance agency provides an overview of how basic coverage impacts liability, medical, and vehicle damage:

  • Liability: Liability insurance is designed to cover bodily injury and property damage that you cause someone else. It is the one type of auto insurance coverage that most states require drivers to carry. If you are at fault in an accident, it will pay for the other person’s medical expenses and property repair.
  • Collision: Collision coverage pays for repairs to your vehicle or will give you its assessed value should it be totaled in a traffic accident you cause. Though it’s not required, adding collision coverage to your policy will be important if you don’t have the funds to fix or replace your car on your own.

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  • Comprehensive: Life is unpredictable even when you aren’t out on the road or when other vehicles aren’t involved. This is what comprehensive coverage is intended to protect against. Things like theft, vandalism, harsh weather, fire, and other harmful elements can cause damage at any time, and comprehensive coverage will pay for repairs.
  • Medical Payment: Including medical payment in your policy will cover any medical bills you or your passengers incur in an accident whether or not you are at fault. Coverage is also extended should you suffer injuries after being hit by a car while on a bike or as a pedestrian.
  • Uninsured/Underinsured Motorist: Uninsured/Underinsured motorist coverage provides you with protection in the event you are hit by someone with inadequate insurance. The minimum liability laws on auto insurance aren’t always enough to pay for damages, and unfortunately, not all drivers have an active policy as mandated by law.

Each kind of auto insurance coverage plays a valuable role in protecting your future finances, so it’s essential to carefully consider all the policies available to customize a plan that fits your unique needs. Should you have questions regarding your coverages contact Kleppinger Insurance at (484) 357-1485, or visit them online to request a quote. 

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