Throughout this series we’ve been talking about the many different areas of auto insurance in hopes that we can better educate those out there that may not know a lot about the area. If you own a vehicle then at some point you’ll have to face the reality of auto insurance and it’s much better to be informed than to just let your agent handle everything.
The most basic coverage that any one person should have on their vehicle is called liability. Outside of this coverage the other most commonly used coverages are the collision and comprehensive coverages. These two coverages are going to be able to provide you some time of safety net for any type of accident that you may find yourself in.
The collision coverage is going to pay out if your vehicle is damage because a collision with another vehicle or other objects. This type of coverage can be expensive depending on how high you set your deductible.
Comprehensive coverage is one that I almost always encourage drivers to get because it will pay out for damages in almost any situation that happens outside of a collision. If your vehicle receives hail damage or has a tree fall on it during a heavy storm then this coverage will come into play. It can also pay for damages that may happen to your windshield or fire damage. You’ll want to study up on this coverage to know exactly what it can pay out for, but it is an optional coverage to add to your plan.
There are several other coverages that you can add to you auto insurance policy. Visit Nelson Nissan cars dealership near Oklahoma City to see what types of coverage they suggest you carry for your vehicle and if you should add on towing coverage, reimbursement coverage, or more.