Auto insurance is a legal requirement in every state, and you should know about your options before you go in to purchase some. You may be required by law to have certain coverages, but others may just be optional. To know what to get, consider your own lifestyle and how the coverages compare to one another to see what applies.
Liability coverage is perhaps the most essential coverage available, and required in almost every state. This coverage ensures the safety of others by paying for their injuries and sometimes property. This does not cover yourself, but makes sure you don’t end up footing the bill for damage you cause another person. If you have questions about this coverage, you can always reach out to your local insurance Myrtle Beach SC agent to learn more.
This protects you from a driver who does not have insurance. While it may not seem fair to have to pay extra to protect yourself from those who do not pay for their own insurance, it is an unfortunate reality. If you’re hit by a driver who can’t afford to pay your damages, you’ll be grateful you have this coverage.
Collision insurance covers the cost for vehicle repairs. If your vehicle gets damaged or totaled after a crash, this coverage can help salvage it.
Medical and Personal Injury Protection
These are designed to help you when you’ve been injured in an accident. They can cover medical bills and any other injury-related expenses. While medical payment coverage is mandatory in some places, personal injury protection is only offered in certain states. Ask your agent to see if you can get one or both.
Finally, comprehensive coverage protects your vehicle from any accidents that don’t take place on the road. For example, if a tree branch falls on your car, comprehensive coverage pays for the repairs.