Getting a car you can call your own is a big deal, especially in the United States. It means going places on your own without the need to wait for other people to drive you around.
With a new car comes new responsibilities. You need to keep up with regular maintenance and all the legal stuff, such as getting it registered and licensed and getting insurance to cover it. Most states require you to have a minimum amount of auto insurance. TAS Insurance Agency, serving the greater Phillipsburg, NJ community, can help you navigate the different types of auto insurance available for your needs.
What types of auto insurance coverage are available?
There are several types of auto insurance. The three main types most insurance companies offer are liability coverage, comprehensive and collision coverage, and underinsured/uninsured driver coverage. Let’s look at the definitions of each type.
Liability coverage
To drive legally, you are required to have a minimum amount of liability coverage. The amount that you need is dependent on the state you live in. Liability insurance covers the other driver and passengers if you get into an accident that you caused.
Comprehensive and collision coverage
Comprehensive coverage helps pay for damage to your vehicle if it gets damaged by something other than a collision. It can come from natural disasters, fire, and other things that can cause damage. Collision coverage is what it sounds like; any damage done to your vehicle when you get into an accident. Your vehicle will be covered whether you caused the accident or not.
Underinsured/uninsured driver coverage
If you get into an accident with another driver, their liability insurance usually covers your damages and medical bills from the accident they caused. What do you do if they do not have insurance or don’t have enough? Underinsured/uninsured driver coverage comes in to save the day. You still get things covered even if the other driver does not have the proper insurance coverage.
Give Us A Call Today
You can stop by or contact us at TAS Insurance Agency in Phillipsburg, NJ, for more information about our auto insurance policies.
