Car insurance helps cover the costs that can result from an automobile accident. An insurance policy consists of many different types of coverages and making the right choice can be a daunting topic for any new driver. Here’s our guide to the most common types of coverage available for your Mazda car insurance.
Liability Insurance
This type of insurance is mandatory in most states. Auto liability includes bodily injury liability to pay for costs related to another person’s injuries in an accident and property damage liability to pay for damages done to another person’s property.
Collision Insurance
Collision coverage covers accidents involving another vehicle or objects like trees or fences. While this insurance is usually optional, you may be required to purchase this insurance if you’re leasing or still paying off your vehicle.
Comprehensive Insurance
As the name suggests, comprehensive insurance can cover many different emergencies like theft, fire, natural disasters, animal-related damages, hail, and falling objects. Like collision insurance, this is considered optional unless required by your vehicle’s lender or leaseholder.
Medical Payments Insurance
If you and your passengers are involved in an accident, this insurance will cover all medical expenses related to the accident including hospital visits, checkups, surgeries, X-rays, and medical tests.
Personal Injury Protection (PIP) Insurance
Like medical payments insurance, PIP will cover any medical expenses incurred because of an accident. In addition, PIP usually covers other accident-related costs like lost wages, childcare, essential household services, and funeral expenses.
Uninsured/Underinsured Motorist Insurance
In rare cases you get involved in an accident with an uninsured or underinsured driver, this insurance can cover your medical bills and damages to your vehicle.
Are you still unsure about what insurance coverage you need? Then Champion Mazda in Owensboro, KY can help you out. Get in touch today and we’ll find the best insurance options for you.
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