Car insurance is compulsory for all car owners. If the authorities catch you driving without an Auto Insurance Policy in Howell, MI, your vehicle can be impounded, your license suspended, you can face jail time, or even be charged hefty fines. Do you know what type of coverage is included with your policy?
Different Types Of Coverage
Liability – Liability protects you when you are involved in an accident and you have been determined to be at fault. Coverages are typically minimal, so this may not be the best type of coverage to purchase. Although it will be cheaper than comprehensive coverage, it simply does not keep you well-protected in most cases. It serves to keep you legal when on the road. Several options are available to upgrade liability policies most of the time.
Collision coverage – Collision insurance covers you no matter who is at fault in the accident. It will cover vehicle damage, property damage, medical bills, and a range of other things. This coverage is more expensive than liability insurance, but it covers a lot more. The coverage amounts are typically higher with collision coverage as well.
Comprehensive insurance – Comprehensive coverage can be added to a liability or a collision policy. It is designed to cover things that are out of your control such as hail damage, fire, theft, hitting a deer, or other similar things.
Underinsured/uninsured motorist’s insurance – This policy covers you if you get into an accident when an uninsured or underinsured driver is driving and they are at fault. This is great insurance to purchase since there are many uninsured drivers on the road illegally in Texas.
To save money on your Auto Insurance Policy in Howell, MI, talk to an insurance agent to see whether they can give you a discount. They will discuss your options with you and let you know about coverage details and deductibles.
Cobb Hall Insurance provides different types of insurance policies. We are available to explain to you the benefits of each policy and to help you make a decision on the best policy for your vehicle. Learn more at Cobbhall.com.
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