Five Essential Types of Car Insurance Coverage

Five Essential Types of Car Insurance CoverageFive Essential Types of Car Insurance Coverage

For many people, driving their vehicle is an everyday occurrence. Whether you drive to work, school, on errands, or for any other reason, you likely spend a fair amount of time in your vehicle each day. Because of this abundant time spent in a vehicle, it is important to have adequate car insurance. Fortunately, finding good car insurance in Tolono Illinois is simple.

Consider the following five types of car insurance coverage:

1. Liability Insurance

Liability insurance typically covers bodily injury and property damage that occur as a result of an accident you caused. This type of insurance does not cover any of your injuries or vehicle damage.


2. Uninsured/Underinsured Motorists

You may have either experienced an accident with an uninsured or underinsured motorist, or know someone who has. The result of such an occurrence is frustration and irritation. Fortunately, an uninsured/underinsured motorist policy can help pay for the expenses incurred in such a situation.


3. Comprehensive Coverage

This insurance protects you from loss against damages to your vehicle other than a collision. Examples include theft and vandalism.


4. Collision Coverage

Collision coverage basically covers any damage caused to your vehicle when it collides with another object. The object can be another vehicle or it can be a non-moving object such as a tree or pole.


5. Medical Coverage

This type of insurance pays for any medical expenses of the driver and passengers in the insured vehicle.


Now that you understand five basic types of auto insurance policies, buying the right car insurance in Tolono Illinois is easy. Contact an insurance agent today to establish the perfect car insurance plan for your needs.

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