Types of Auto Insurance You Should Know About
Choosing the right auto insurance can feel overwhelming, especially with so many coverage options available. Understanding the basics can make the process much easier and help you feel confident about protecting yourself, your passengers, and your vehicle. Below is a simple breakdown of the most important types of auto insurance coverage you should know about. IMSC Insurance Offices, Inc. provides auto insurance in Riverton, Murray, UT, Salt Lake City, Sandy, UT, West Valley City and surrounding areas.
Liability Coverage
Liability insurance is the foundation of most auto insurance policies and is required in nearly every state. It covers the cost of injuries and property damage you cause to others in an accident. While it doesn’t pay for your own repairs, it plays a crucial role in protecting you financially.
Collision Coverage
Collision coverage helps pay for repairs or replacement of your vehicle after an accident, regardless of who is at fault. Whether you hit another car or an object like a fence or pole, this coverage helps get you back on the road faster.
Comprehensive Coverage
Comprehensive insurance protects your vehicle from damage that doesn’t involve a collision. This includes theft, vandalism, fire, severe weather, falling objects, and even animal-related incidents. It’s especially valuable if you live in an area prone to storms or theft.
Personal Injury Protection (PIP)
Personal Injury Protection, also known as PIP, helps cover medical expenses, lost wages, and other related costs for you and your passengers after an accident. It’s required in some states and optional in others.
Medical Payments Coverage (MedPay)
MedPay covers medical expenses for injuries sustained in an accident, no matter who is at fault. It’s a helpful addition for managing healthcare costs after a crash.
Uninsured and Underinsured Motorist Coverage
Not all drivers carry enough insurance. This coverage protects you if you’re hit by someone who has little or no insurance, helping cover medical bills and vehicle repairs.
Gap Insurance
If you’re leasing or financing a vehicle, gap insurance can be a smart choice. It covers the difference between what you owe on your car loan and the vehicle’s actual value if it’s totaled.
More Than Just Auto Insurance
Insurance needs often go beyond your car. GEICO offers auto, motorcycle, boat, and umbrella insurance, making it easier to protect what matters most with one trusted provider. Umbrella insurance, in particular, provides extra liability protection beyond standard policy limits for added peace of mind.
Car insurance made simple
Understanding your coverage options puts you in control. With the right knowledge and the right provider, choosing auto insurance doesn’t have to be complicated—it can be simple, straightforward, and tailored to your life. Let’s have a conversation! Feel free to call or email us.
