Exploring the Different Types of Auto Insurance Policies

 When purchasing a new car or shopping for auto insurance centennial co, you will likely need to comprehend the common types of coverage for auto or car insurance policies. The various types of auto insurance are available to help protect you, your vehicle, and your passengers if you get involved in an accident. 

Auto insurance comprises various coverages designed to financially protect you if you encounter an accident or your vehicle is damaged. 

Herein, we will break down the main types of auto insurance to ensure your protection.




  • Bodily injury Liability 

Bodily injury liability covers the injury that you, the designated policyholder or driver, cause to someone else. Moreover, when driving someone else’s car with their permission, you and your family members listed on the policy also get covered. 

It is essential to have enough liability insurance because you can be sued for a large sum of money if you are involved in a severe car accident.


  • Personal Injury Protection (PIP)

This coverage pays for medical payments or treatments of injuries to the passengers and the driver of the policyholder’s car. Chiefly, PIP covers lost wages, medical expenses, and the cost of replacing services someone performs in an auto accident.


  • Collision 

Collision coverage compensates for the damage to your car from a collision with other vehicles or objects, such as a telephone pole or tree, as a cause of flipping over. 


  • Comprehensive

Comprehensive coverage reimburses for damage caused by something other than a collision with another object or vehicle or loss due to theft. It covers events such as falling objects, missiles, fire, earthquake, explosions, hail, windstorms, floods, riots, vandalism, and contact with other animals such as deer or birds. Moreover, it will also pay to repair your windshield if it is shattered or cracked. 


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