Many people are confused by auto insurance. While most everyone has it, many don’t know what the difference is between collision and comprehensive, or why having both kids of insurance is important. Having auto insurance in Bethlehem, PA is legally required, but an estimated 7% of drivers in the state of Pennsylvania are driving with no insurance at all. What does that mean if you were to get into an accident with them? That’s just one of several important facts you should know when you are looking into an auto insurance quote.

Collision vs. Comprehensive

Both collision and comprehensive insurance are important, but they serve two completely different tasks. If you are in a car accident, then collision will cover the damage done and pay for the repairs to your car. If your car suffers hail damage, you are a victim of vandalism, or you hit an animal and damage your car, that is what comprehensive insurance will cover.

Underinsured/Uninsured Motorist Coverage

As stated above, 7% of drivers in Pennsylvania are driving without insurance, and that’s not even taking into account those that are underinsured. It’s a good idea to be covered just in case you are in an accident with one of those people. This is what underinsured/uninsured motorist coverage will take care of for you.

When looking for auto insurance in Bethlehem, PA, it is a good idea to make sure your insurance company covers you in all of these cases. You don’t want to wait until after you are in an accident to find out that your policy doesn’t cover you!