Because of the many types of coverage on the market today—as well as the unfamiliar terms and concepts associated with them—it can be difficult for the average driver to understand the ins and outs of automobile insurance. To help you make sense of the topic, Zimmerman Insurance Agency of High Point, NC, explains the various types of coverage available under a typical car insurance policy.

What Types of Coverage Does Automobile Insurance Offer?

Collision

This coverage type protects you in a collision with a stationary object or another vehicle. It also pays for repairs or reimburses you for the loss of your vehicle up to its replacement value.

Comprehensive

Comprehensive automobile insurance covers non-collision losses, such as fire, vandalism, flooding, or theft. It even covers the cost of repairs if you strike a deer or another animal while driving.

Personal Injury

Your vehicle is not the only thing that can suffer damage during an accident—injuries are also common. Personal injury protection covers medical costs for bodily injuries suffered by you or your passengers during a collision or another roadway incident.

Liability

Liability insurance covers the costs of repairs and medical treatment for damages and injuries suffered by other motorists, pedestrians, or property owners. If you strike another car, destroy a fence, or injure a jogger, liability coverage comes into play. It also covers the legal costs required to defend or settle a lawsuit if you are sued for damages.

Uninsured Motorist 

Uninsured motorist coverage is unnecessary in no-fault insurance states, where everyone seeks recompense from their own insurer. However, in an at-fault insurance state like North Carolina, it is important to protect yourself against uninsured or underinsured drivers. If you are in an accident where the other driver is at fault and uninsured, you might have to sue to collect if you do not have uninsured motorist coverage.

Zimmerman Insurance Agency, the most experienced home, life, business, and auto insurance broker in High Point, NC, can help you choose the type and amount of coverage that best suits you. Visit them online for contact information, or call (336) 883-6512 to discuss your options with an expert agent.