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What are the recommended auto insurance coverage levels?

Things to Remember...
  • Liability and comprehensive collision are two very different types of insurance coverage
  • Accidents that may have caused injury to someone or caused damage to property are examples of cases in which insurance can cover your assets from liability
  • Comprehensive auto insurance may also help cover the cost of replacing a vehicle when it’s totaled

Knowing which level of auto insurance you need can be confusing.  There is no end-all-be-all of coverage that will suit each customer perfectly.

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Two Basic Types of Coverage

There are many different types of coverage of the basic insurance.  Liability and collision basic liability insurance is a way to cover your assets in the case of an auto accident.

Accidents that may have caused injury to someone or caused damage to property are examples of cases in which insurance can cover your assets from liability.

The difference between comprehensive coverage and collision is that if any damages occurred to one’s own vehicle, that the damage is covered and paid for by the insurance company

Comprehensive auto insurance may also help cover the cost of replacing a vehicle when it is involved in an accident and cannot be operated safely any longer.

It is important to know what each type of coverage offers and whether that is right for you. Different types of coverage are meant for drivers with different needs.

Many states require auto insurance to protect those that are good drivers. When the offender cannot pay to cover damages, underinsured/uninsured motorist coverage might be a good choice.

Roadside assistance coverage is also often provided by insurance company however if you belong to an auto club that provides such assistance; this might not be the best buy.

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Understand the Minimum Requirements

Most states that require auto insurance require only liability coverage. In order to drive a car, almost every state has a minimum level of coverage required.

Aside from the various forms of liability insurance, you may want to consider collision and comprehensive coverage.

Comprehensive plans protect your vehicle in case of unexpected occurrences such as a fire and floods. Collision plans cover damage from anything it might come into direct contact with.

Many brokerages offer insurance through several different companies and can provide a more customized insurance solution for each client. In this way, they provide fair and healthy competition between the insurance companies.

However, most insurance companies provide their own sales departments in which offices that sell coverage from that particular insurance company only sells insurance coverage from that particular insurance company.

Meeting Your Individual Needs

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The only way to find the best levels of coverage for one’s individual personal needs is to speak with an auto insurance broker. Discuss with your broker. The many options available to you and explain to them your current situation.

For example, homeowners might like to purchase the maximum coverage for liability and collision because if an accident causes significant damage to property injury or death, it can lead to legal issues and ultimately financial repercussions.

 The minimum coverage for liability insurance changes from state to state, so you should check with your specific state.

For example, Alabama sets their requirement at $25,000 for liability against bodily injury per person, $50,000 for all people, as well as $25,000 coverage for property damage.

Before choosing any particular types of auto insurance coverage, ensure that you’ve done your research. That way,  you won’t end up paying for things that you don’t need.

If you have sufficient health insurance, you may be able to get by with the minimum personal injury plan.

Do Your Research and Compare Auto Insurance

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There is no auto insurance policy in the world that can prevent accidents from happening, but having the right auto insurance policy can protect you and your loved ones from financial liability.

You will be glad you researched your car insurance coverage options ahead of time when there is an accident or any kind of financial liability.

The bottom line is this: If you’re in the market for an auto insurance policy, do your research. Talk to a broker and find out what it is that you need and don’t need out of auto insurance.

Above all else, don’t compare your specific insurance needs with your friends or other family members’ needs. Just as no two people are alike, neither are their auto insurance coverage needs.

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