Finding the right auto insurance policy is very specific to each person’s needs. The team at ALLConnecticut Insurance is here to help residents of West Hartford, CT find the best plan.
The basic types of coverage you can elect to get include:
- Collision
- Comprehensive
- Medical/ personal injury
- Liability
- Uninsured/ underinsured
Collision insurance
This type of insurance covers any damage to your vehicle in an accident. This coverage typically pays for your vehicle’s repair only. If the repairs or damage costs more than the car is worth, the insurance company can declare the vehicle a loss, and will instead give you a lump sum of the vehicle’s value.
Comprehensive coverage
This covers non-accident damage, like if your vehicle is damaged or totaled in a bad storm or fire, or if your vehicle is stolen.
Medical coverage & personal injury
Medical coverage covers reasonable expenses for you and any other people in the car, regardless of which driver was at fault.
Personal injury is very similar to medical coverage; the biggest difference is in the policy limits. They are typically higher than standard coverage, with higher premiums and a deductible you must meet.
Liability coverage
Liability insurance protects you in the event that you cause an accident and someone becomes injured or their property does. This includes bodily liability insurance and property damage liability, for cases where vehicles or personal property is damaged or destroyed.
Uninsured/ Underinsured coverage
Uninsured motorist coverage pays some of the damages done to you in an accident when the person at fault does not have insurance.
There’s a lot to understand about auto insurance and the various coverage options. Contact ALLConnecticut Insurance if you’re located in the West Hartford, CT area and we’ll get you set up.