Are you currently shopping around for auto insurance? While you might not realize it, many policies are made up of different aspects of car insurance that provide coverage for various circumstances if an accident occurs. Bruce Richardson, a State Farm Agent, has been providing his Mooresville, IN, clients with quality insurance products for years. Below the team has outlined the different types of car insurance provided under your policy. 

Liability

Liability insurance, which is required in most states, provides coverage if you caused the accident. This insurance pays for damages to the other party’s automobile and property. In addition, it provides coverage for any medical injuries caused by the accident. 

Collision

If your car is damaged in the accident, collision coverage provides replacement or repair costs. This is normally an optional insurance add-on. If you have a newer automobile, it is usually advisable to maintain this type of insurance. If you drive an older vehicle, however, it can often reduce insurance premiums.  

Comprehensive

Comprehensive coverage is an automobile insurance that covers for damages unrelated to an accident. For instance, if your car is struck by lightning, you will be covered for the repairs or a replacement. 

Personal Injury Protection

This type of auto insurance will cover any medical or injury costs to you or your passengers while you are in an accident, regardless of who is at fault. Most insurance agents will advise that their drivers carry this type of insurance. 

Uninsured/Underinsured Motorist Protection

While you can be assured you are covered while driving your automobile, it is not uncommon for other drivers to have no insurance coverage or lapsed coverage. Driving without car insurance is illegal in many states. However, uninsured/underinsured motorist protection provides coverage for you and your automobile if the other driver has no insurance. 

If you’re considering acquiring a new auto insurance policy, work with a trusted insurance agent who understands your specific needs. State Farm Agent, Bruce Richardson, has worked with families in every stage of life to provide them with the comprehensive coverage they need. Call him today at (317) 831-3500 or visit his website for more information.