You may already know how auto insurance works, but do you know what the different types of car insurance are? If you’re shopping for auto coverage, knowing the different coverages available is an important step in getting the policy that’s right for you. Here are a few of the basic car insurance types, how they work and what they cover.
Liability coverage may help cover damages for injuries and property damage to others for which you become legally responsible resulting from a covered accident.
Collision insurance may cover damage to your car after an accident involving another vehicle.
Comprehensive insurance may help pay for damage to your car due to incidents besides collisions, including vandalism, certain weather events and accidents with animals.
Uninsured motorist insurance can protect you and your car against uninsured drivers and hit-and-run accidents.
Underinsured motorist insurance can protect you in the event of an accident with a driver whose insurance is not enough to cover the costs.
Medical payments coverage can help pay medical costs related to a covered accident, regardless of who is at fault.
Personal injury protection insurance may cover certain medical expenses and loss of income resulting from a covered accident.
Gap insurance may help certain drivers cover the amount owed on a car loan after a total loss or theft.
Towing and labor insurance may reimburse you for a tow and for the labor costs to repair your vehicle.
Rental reimbursement insurance helps pay for a rental car if your vehicle cannot be driven after an accident.
Classic car insurance provides specialized coverage designed for the unique needs of vintage and classic car collectors.
If you don’t currently have auto insurance, it’s crucial to get coverage as soon as possible. Get a free quote in just minutes by visiting Nationwide.com and entering your zip code.