Three Types of Auto Insurance Coverage

When you need auto insurance, a single policy will have several different kinds of coverage in it, depending on what’s required for you and what you choose that isn’t required. There are a number of types of coverage that can be in these policies. Each type gives you a different kind of financial protection in case of accidents and other incidents. When you’re in need of an auto insurance policy, call us at Allen Jones Insurance Agency in Seguin, TX.

Property Damage Liability

This is a type that pays for the other party’s damages if you’re in an accident with them that causes them to need repairs. This may be repairs done to landscaping, a building, a mailbox, a vehicle, etc. The policy pays those costs so that you don’t have to. Vehicles and other property can be extremely expensive, so it’s never a good idea to go without this coverage. 

Bodily Injury Liability

This type of liability pays for the expenses another party has if they’re injured in an accident with you. These expenses often include medical bills, but they may include other costs like ongoing therapy, lost wages, etc. Without a policy to pay for this, you could be in serious financial trouble when the bills come due. 

Collision Coverage

This is an elective type of coverage that protects your vehicle in case of an accident. While your property damage liability coverage pays for the other party’s damages, it pays nothing for yours. For that, you need to choose to have collision coverage on your policy. This is important protection that every vehicle owner needs in case of an accident. 

Get Auto Insurance 

To get your essential auto insurance, contact us today. Call us at Allen Jones Insurance Agency in Seguin, TX to find out more and get started.