Car insurance isn’t one-size-fits-all. Just like your car and driving habits, your insurance needs are unique. With so many policy options available, figuring out which coverage is right for you can feel overwhelming—but it doesn’t have to be.
Let’s take a closer look at three of the most common types of car insurance to help you make an informed choice.
1. Liability Insurance
Think of liability insurance as your basic, must-have coverage. It’s legally required in most states and is designed to protect you financially if you’re responsible for an accident.
There are two parts to it:
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Bodily injury liability covers the medical expenses of the other driver or passengers if you cause an accident.
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Property damage liability pays for damage to someone else’s vehicle or property.
While it won’t cover your own car repairs or medical costs, it’s a vital safety net for those you might harm in an accident.
2. Uninsured Motorist Coverage
Unfortunately, not every driver on the road has insurance. If you’re in an accident caused by someone who doesn’t have coverage—or not enough of it—this policy steps in to protect you.
Uninsured (and underinsured) motorist coverage can help pay for your medical bills and, in some cases, car repairs when the other party can’t. It’s a smart layer of protection, especially considering how unpredictable the road can be.
3. Comprehensive Coverage
Comprehensive insurance goes beyond crashes. It helps cover damage from things that are out of your control, like:
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Theft
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Vandalism
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Natural disasters (hail, floods, fire)
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Falling objects (yep, even tree branches)
While it’s usually optional, it can be especially valuable if you live in an area prone to extreme weather or if you want extra peace of mind when it comes to protecting your vehicle.
Not Sure What You Need? We’re Here to Help.
Choosing the right car insurance isn’t just about checking boxes—it’s about making sure you’re truly covered when it matters most. If you’re not sure which policy fits your lifestyle or budget, our team at Pietila Family Agency is just a call or click away.
We’ll walk you through your options, answer your questions, and help you find a policy that gives you confidence every time you hit the road.