While no insurance policy is cut and dry, the numerous types of auto insurance on the market tend to confuse people. However, it’s important to understand what you need so you’re covered in the event of an accident. Simmons Insurance Group of Southeastern Ohio has been providing quality insurance products to area clientele for years. Below, they’ve outlined the many types of auto coverage you should be aware of. 

5 Different Forms of Auto Insurance 

1. Liability 

This coverage protects drivers if they cause an accident. It will pay to cover damages to the other vehicle, as well as injuries caused to the other party for which the driver is legally liable, up to the limit purchased on the policy. The state of Ohio requires all drivers to have a minimum of $25,000 per person and $50,000 for more than one person per accident, while $25,000 must be maintained for property damage.

2. Collision

If you hit an object other than another driver, collision coverage will pay for damages to your car. While it is not required (unless your have a bank loan), this policy is wise to have—especially if you drive a newer vehicle.

3. Comprehensive

If your car is damaged by something other than another car, such as a lamp post, electric outlet, collision with an animal or several other incidents, this insurance will cover damages to your vehicle. Additionally, if the car is broken into or vandalized, a comprehensive plan will take care of it.

4. Uninsured or Underinsured

While maintaining a minimum amount of auto insurance coverage is usually required by law, there are those who drive without insurance. Uninsured motorist coverage will pay for damages to your car as well as your injuries if the other driver doesn’t have insurance.

5. Medical Payments

If you or anyone in your car is injured in an accident, or another incident involving the vehicle (such as shutting your finger in the door), this coverage will pay for associated medical expenses on a reimbursement basis up to the limit purchased on the policy.

If you or a loved one is shopping for an auto insurance policy, speak to an agent. They will help you choose from the best products on the market, as well as find the lowest rates. The team at Simmons Insurance Group of Southeastern Ohio has been serving the community for over 45 years. They pride themselves on maintaining extensive industry knowledge to match clients with the best products. Call them today at (740) 667-3111 or visit their website for more information.