The road can be an unpredictable place, with dangers ranging from careless drivers to blizzards and wandering deer. Even in your driveway, your vehicle is vulnerable to theft, falling tree branches, and hail. This is why car insurance companies offer policies to protect against a wide range of perils. Below are some of the most important coverage types you should consider before getting behind the wheel.

4 Types of Car Insurance Policies

1. Liability Coverage

Even the best driver can cause an accident in which someone else is injured. Liability coverage compensates other motorists for any damage you might cause, up to the limits of your policy. Connecticut requires drivers to carry at least $25,000 in liability protection per accident, with limits of $50,000 per accident. For maximum protection, it’s best to carry liability coverage equal to the value of all your other assets.

2. Collision Coverage

Liability insurance pays for damage to the other driver’s vehicle if you cause an accident, but what about your car? Collision coverage will pay to repair or replace your vehicle, minimizing the financial consequences of a collision.

3. Comprehensive Coverage

Collision and liability insurance covers accidents, while comprehensive coverage is designed to protect you from everything that can happen when you’re not on the road. If an ice storm drops a tree on your car or your vehicle is stolen, comprehensive coverage will pay to repair or replace your vehicle.

4. Uninsured/Underinsured Motorist Coverage

If someone else causes an accident, their liability coverage should cover your medical expenses, property damage, and other losses. However, if they’re driving without coverage, or if your damages exceed their policy limits, you could be left paying out of your own pocket. Uninsured/underinsured motorist coverage eliminates this risk, protecting you from the consequences of another driver’s carelessness.

Choosing the right car insurance policy can be confusing, which is why drivers throughout New London, CT, rely on Action Auto Insurance Agency Inc. for personal insight and affordable rates. As an insurance broker, they work with a variety of the industry’s top carriers and will take the time to match you with a policy that meets all your needs. Visit their website for more on their car insurance services, or call (860) 444-7224 to request your free quote today.