Types of Auto Insurance: Which One Do You Need?

insurance form

If you’re shopping for a new car or auto insurance for an existing one, it’s better to know the different types of auto insurance policies that you might come across in the process. Before you pay for the insurance that fits best with your needs, it’s also important to go through the coverage details and exclusion section, no matter the type of auto insurance you choose.

To help you get started, we have rounded some common types of auto insurance along with their coverage details.

Liability Coverage

Liability coverage is a legal requirement in many US states if someone wants to drive a car. If you are rendered responsible for a car accident by the state police, this insurance will help you cover the costs of;

  • Injury Liability: Medical and other related expenses if someone is injured,
  • Property damage liability: Damage to anyone’s property while driving.

Collision Coverage

Collision insurance will help cover the repairing costs of your car, if you hit an object or another vehicle. In case your vehicle is totaled in the accident, you will be paid an amount equal to the worth of your vehicle before the accident. Collision coverage is optional in most of the US states.

Comprehensive Insurance

Comprehensive insurance provides coverage for damages that were not caused by an accident. For example, robbery, fire, vandalism, and some weather events such as a hail storm. This type of insurance is typically optional, unless you’re lending a car or still paying for its installments. In this case your lender may require you to get comprehensive coverage.

collisionUninsured Motorist Insurance

If you get involved in a hit-and-run accident or someone uninsured hits your car, in that case this insurance will cover your medical bills. Uninsured motorist insurance may also cover the repairing costs of your car, but that varies from one state to another.

Underinsured Motorist Coverage

Underinsured drivers are those who have liability insurance,but it cannot provide enough coverage. If you get hit by an underinsured driver, this insurance will cover your remaining medical bills.

Medical Payments Coverage

Medical costs can be very expensive, especially if it isn’t a minor accident. Medical payments coverage provides protection to you or anyone who was driving the insured vehicle at the time of the accident. It covers the cost of injuries, hospital visits, follow-ups, X-rays, surgeries and more.

If you’re looking for reliable auto insurance in Bradenton, Fl, get in touch with Manatee Insurance Services, Inc.!  We also offer house and flood insurance in Bradenton with maximum coverage and at affordable premiums. For more information about our insurance services, call us 941-747-7283, and get a free quote!


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