Types Of Auto Insurance And What They Cover

Putnam Connecticut auto insuranceIn most states, it is illegal to operate a motor vehicle without insurance. As a result, most people accept purchasing auto insurance as a necessary requirement. What they may not realize, though, is that there are actually several different types of coverage to consider. To ensure that you are protected in case of an accident, it is vital that you understand the different types of Putnam Connecticut auto insurance available and what they cover.


Liability coverage is the minimum type of coverage allowable in most states. This insurance will pay for the cost to repair property damaged and medical bills sustained as a result of an auto accident if you are at fault. It will not cover damages to your own vehicle or your own medical bills, though, and only up until a specified limit.


If you add collision coverage to your Putnam Connecticut auto insurance policy, your insurance will cover the cost to repair your own vehicle if you are in an automobile accident. If your vehicle is totaled, it will cover the value of the car at the time of the accident.


Many times, though, vehicles can be damaged by other circumstances beyond just automobile accidents. If your car is damaged by hail, vandalism, theft, or animal collision, neither liability nor collision insurance will pay to repair your vehicle. Comprehensive insurance is designed to fill in this gap and repair your vehicle when it is damaged in other circumstances beyond your control.

Uninsured/ Underinsured

Nationwide, 13 percent of all drivers do not carry auto insurance. Many more drivers carry only the minimum levels of liability insurance. This coverage is often insufficient to cover medical bills resulting from serious accidents. If you happen to be involved in an auto accident with one of these drivers, you could be left footing the bill even if they are at fault. This is why uninsured and underinsured insurance is so vital to step in should the at-fault party be unable to pay for damages.

Other types of auto insurance coverage to consider include medical payments and no-fault insurance. The best way to ensure that you have the coverage that you need is to work with an insurance agent that you can trust to select the types of insurance that are necessary to protect your assets, health, and your future.