If you have never purchased car insurance on your own before, it can seem very complicated at first glance. You most likely do not know what kind of insurance you need, and how much coverage you should get. Before you start looking into an auto insurance policy, make sure you understand the 6 types of auto insurance.

Liability Coverage

It is important to have liability coverage if you are going to be driving an automobile. If the accident is your fault, you will be responsible for paying for the damages caused to the other person. This not only includes their automobile, but their medical expenses as well. If the accident happened to cause property damage in the process, you will be responsible for that too.

Liability coverage will protect you from having to pay all these expenses out of pocket. The more liability coverage you have, the more protected you will be from financial responsibility in an accident.

Collision Coverage

If you're worried about the look of your car and want to keep it in pristine condition, collision coverage is right for you. No matter what caused the accident, collision coverage will ensure that your car gets repaired. Collision coverage will cover small fender benders, or situations where the car is totaled.

Comprehensive Coverage

Sometimes damage happens to your car that is completely unrelated to an auto accident. This includes weather related damage from hail, flooding, and fires. Comprehensive coverage will allow you to get your car fixed after paying the deductible.

Uninsured Motorist Coverage

If another driver caused an accident, and they are not insured, it may be difficult to collect payment for the damage they caused. In this situation, uninsured motorist coverage will help costs related to repairing your car and injuries.

Personal Injury Insurance

You may want to seek additional insurance to cover any bodily harm in an accident where you are at fault. Medical costs can quickly add up in a auto accident, especially if there are several people in the car. Personal injury insurance will help cover those medical expenses of those traveling with you, even if you were at fault in causing the accident.

No Fault Insurance

Some states have simplified insurance by requiring everybody to have a no fault insurance policy. It means that nobody is found at fault in an auto accident, and your car repairs will be covered as long as you meet your deductible requirements

By understanding the 6 main types of auto insurance you can get, it will allow you to make an informed decision about what you need when driving your vehicle. Contact professionals, such as those from Austin Insurance, with any further questions.