Three Must-Have Auto Coverages

No matter why you drive, if you drive often, you’re going to need auto insurance. On your hunt for insurance, consider which coverages will be more crucial to your protection. When it comes to car insurance, there are three basic coverages that most people need.


Collision is a very simple, necessary coverage. It pays for any damages that occur if you’re in an accident and no other vehicle is involved. Whether you hit a guardrail, tree or even an animal, this coverage pays for damages.


Liability is required in most places. If you live in a place where liability is not required under your auto insurance, you still might want to give it some thought. If you’re in an accident and you’re at fault, this coverage is there to protect you. This protection extends to injuries to another person or vehicle.


Comprehensive insurance is suitable for expensive vehicles. This coverage pays for damages in several different circumstances. These circumstances may include the following:

  • Flood
  • Fire
  • Vandalism
  • Theft
  • Natural disasters

You can never be sure what life might bring you. Paying for damages is costly and it’s better to have insurance that covers nearly everything.
If you drive a vehicle, then you need to consider auto insurance coverage and the policies that come with it. Without it, you won’t have real protection in case of an accident.