There are a number of different safeguards that are in place when you have full coverage auto insurance. Aside from simply having peace of mind that your expenses will be covered if you’re involved in a collision, you will also have more freedom as you customize your coverage. You can also ensure that you are meeting your state’s minimum requirements for auto insurance. VIP Insured wants to ensure Bellevue, WA drivers are familiar with the different kinds of coverage available.
Comprehensive Coverage
Comprehensive insurance coverage will cover damages that don’t occur as a result of an accident. For instance, this type of coverage will cover events like fire, vandalism, and theft. It will pay some or all of the repair or replacement costs for your vehicle.
Collision Coverage
Collision insurance coverage will cover damages that occur if you cause an accident. It may also kick in for other situations when your vehicle suffers damage and another vehicle is not involved. These situations may include when you hit a tree, fence, mailbox, or telephone pole.
Liability Coverage
There are two main forms of liability coverage: bodily injury and property damage. Bodily injury will cover the medical costs for someone who is injured if you are deemed at fault for a collision. Property damage covers damages to the other individual’s vehicle if you’re responsible for an accident.
As you can see, the difference between collision and liability is that collision will cover your personal vehicle, whereas liability will cover the vehicle of the other party involved.
Most states will have a minimum requirement for you to carry in terms of liability insurance, and you can check with one of our insurance agents at VIP Insured to ensure you are meeting these requirements. We can answer any questions you have about insurance in Bellevue, WA and get you set up with an auto insurance policy that meets your needs and budget. Contact us today.
