If you have the legally required liability insurance that means you are covered in the event that you are liable for property damages, legal costs, and medical bills.
Liability coverage on your car insurance policy is important to have so if anybody is involved in a collision that you are at fault for, they will not be stranded with medical bills and repair costs and neither will you.
But, basic liability coverage that covers the state required minimum is not always enough coverage for a lot of people.
Liability coverage will only cover repair costs and medical bills for other people involved in the collision.
It will not cover you in the event that the other driver does not have liability coverage, and it will not cover any damages to your vehicle either.
Collision and comprehensive coverage are pretty common for a lot of insured drivers to have.
Having collision coverage is basically what it sounds like.
It means that the cost of repairs for your car will be covered by the policy in the event of a collision with another car.
Comprehensive car insurance coverage covers the cost of repairs if something else happens to your car other than a collision.
Comprehensive insurance typically covers things like vandalism, collisions with animals, fires, natural disasters and other "Acts of God".
Before you buy comprehensive insurance you should make sure you know exactly what your policy will or will not cover.
A good comprehensive policy should cover all of the above mentioned things so you will not have to pay out of pocket for repairs.
While some form of liability coverage is required in most states, a lot of drivers drive their cars without any sort of insurance coverage.
The whole point of liability coverage is to make sure that the costs of damages and medical bills can be paid in the event of a collision, so if you are involved in an collision with someone who does not have liability insurance you could end up having to pay the costs of any repairs and medical bills.
Basically all of the major insurance companies provide uninsured drivers coverage so you will be covered in the event that you get in a collision with an uninsured driver.
Uninsured drivers coverage is more expensive, but if you are ever in an accident and the other driver has no liability coverage, the extra cost for the coverage will be worth it.
Another extra policy that may be worth having is roadside assistance.
More insurance companies now provide roadside assistance, and if you include it in your policy it can provide a lot of peace of mind.
Roadside assistance basically means that your insurance coverage will cover the cost of a tow truck in the event that your car breaks down, or needs a tow truck for any reason other than a collision or accident.
Some car insurance companies will send someone to come and pick you up as well as provide a tow truck.
If you are interested in getting roadside assistance coverage you should look at different insurance companies and find out what their roadside assistance coverage actually covers.
Even the most basic of roadside assistance policies is good to have, since the cost of a tow truck can be a bit expensive, to say the least.