Keep Your Car Safe With The Right Type of Auto Insurance

Get the Right Type of Auto InsuranceProtect your car with the right type of auto insurance.

Auto insurance is a necessary component when it comes to your driving. Not only does it help you be a more responsible driver, but it’s also required by law. However, there are different degrees of coverage. Learn about the different types of coverage so that you can find out what types of auto insurance you need to keep your car well protected.

Liability Coverage.

As required by law, you at least need to carry liability coverage. This type of policy is your base policy. It gives you liability coverage to cover any damages, medical bills, or legal fees associated with a crash that you caused. However, keep in mind that it’s only valid for other parties involved in the accident. If you sustained damage or got hurt, it won’t help to pay your bills.

Collision Coverage.

This type of policy gives you a little more coverage to help protect your car. If you do get into an accident, your policy won’t just cover the other parties involved, it will also help you repair damages to your vehicle. However, there are limits to your repairs. The damages must have been caused by an accident with another vehicle.

Comprehensive Coverage.

This type of policy gives you coverage for freak accidents. It gives you repair coverage for accidents that occurred from something other than another vehicle like vandalism or a hail storm. That way if your car needs repairs, you’re covered.

Uninsured Coverage.

There are sure to be a few rule breakers out there. Whether they fall short on their liability coverage, or they don’t have any coverage at all, you could be stuck paying for your repairs out of pocket. An uninsured or underinsured policy helps you to offset the financial burden of paying for someone else’s mistakes.

Choose the type of auto insurance coverage that you need to protect your car. Contact the professionals at Desert Empire Insurance Services, Inc. for assistance with your policies. Located in Palm Desert, California, we serve all your personal and commercial insurance needs.