Choosing an auto insurance policy that is reasonably priced yet offers enough protection is a challenge for many drivers. A good insurance company should work with each driver to determine individual needs and risk, but it’s also important for drivers to understand their options. Here are different types of coverage that drivers can choose from when taking out a Montville CT car insurance policy.
Protection from Accidents You Cause
Basic liability coverage will protect drivers against the cost of damage or injuries sustained by other drivers. This type of insurance is mandatory in Connecticut for anyone operating a vehicle.
Protection Against Vehicle Damage
To cover the expenses of vehicle damage, drivers can choose between collision coverage and comprehensive coverage. Collision coverage only provides for damages that occur when another car hits the insured one. Comprehensive coverage protects drivers against the expense of damage caused by other factors, such as vandalism or severe weather.
Protection from Medical Expenses
To cover medical expenses, drivers have three main options. Uninsured or underinsured motorists coverage covers expenses for driver and passenger injury if the other driver causes the accident and is not adequately insured. Medical payments coverage takes care of driver and passenger medical expenses. No-fault coverage provides for personal medical expenses whether or not the insured driver was at fault.
Coverage for many other situations, such as towing or car rental, can also be added to a policy. Since there are so many options, it’s important for drivers to understand the basics and work with a company that will help them create the ideal Montville CT car insurance policy.