Auto Insurance Coverage Options

Auto insurance may offer financial security against unforeseen expenses arising from accidents, natural disasters or other unexpected incidents. By shifting the risk to an insurance provider, you may secure the necessary funds to repair or replace your vehicle after such events.

What Type of Car Insurance Should I Get? 

You have the flexibility to customize your auto insurance policy as you see fit. The following types of car insurance coverage are available, each designed to protect you in different situations:

• Liability coverage may cover costs if you are liable for bodily injury and property damage to a third party.

• Uninsured and underinsured motorist coverage may compensate for damage or injury caused by an at-fault driver who lacks adequate insurance.

• Medical payments (MedPay) coverage may help you and your passengers pay health care expenses after a car accident.

• Personal injury protection (PIP) may help cover your lost wages, as well as medical expenses for you and your passengers following an accident.

• Comprehensive coverage may compensate for damage from incidents such as fire, theft and vandalism.
• Collision coverage may pay for damage from collisions with other vehicles or objects.

Additional Car Insurance Options

Some insurers may offer the option to enhance your policy with other types of coverage. These “extras” can be affordable and may cover specific situations. Note that you may need collision and comprehensive insurance to be eligible for some of the following:

• Rental reimbursement may cover the cost of a rental car while your vehicle is being repaired after a covered insurance claim.

• Roadside assistance may assist with paying for help if you experience a breakdown and need services like a battery jump or towing.

• New-car replacement insurance may pay for a brand-new car of the same make and model if your car is totaled, minus your deductible.

• Full glass coverage may cover the repair or replacement of chipped or broken window glass.

• Custom parts and equipment value coverage may cover the repair or replacement of modifications to your vehicle, such as a new stereo system or custom rims.

Secure Affordable Auto Insurance

Discover optimal auto insurance solutions with On the Coast Insurance Agency. Contact us today to explore your options.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.