Common Auto Coverages You Need to Know About

Understanding the different types of auto coverages available can help you choose the right protection for your vehicle.

Here’s a breakdown of auto coverages to consider.

Liability Coverage

Liability coverage is required in California. It may help pay for injuries and property damage you cause to others in an accident where you are at fault, up to the policy’s dollar limits.

Collision Coverage

Collision coverage may help pay for repairs to your vehicle if it’s damaged in a collision with another vehicle or object, regardless of fault.

Comprehensive Coverage

Comprehensive coverage can help pay for your vehicle repairs or replacement if it’s damaged by an event other than a collision, such as theft, vandalism, fire or natural disaster.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage may help cover your injuries and damage to your vehicle if you’re in an accident caused by a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages.

Medical Payments Coverage

Medical payments coverage can help pay for accident-related injuries you and your passengers suffered, regardless of fault, up to the policy’s limits.

Personal Injury Protection

Personal injury protection can help provide broader coverage for injury-related expenses after a covered accident, such as lost wages, funeral expenses and essential services you or your passengers cannot perform due to accident-related injuries, such as childcare or housekeeping.

Roadside Assistance

Roadside assistance can help provide services like towing, battery jump starts, flat tire changes and lockout assistance.

Auto Glass Coverage

Auto glass coverage may help repair or replace your vehicle’s windshield or other glass components without a deductible.

Rental Reimbursement

Rental reimbursement coverage may help pay for the cost of a rental car while your vehicle is being repaired after a covered accident.

Gap Insurance

If you have a loan or lease on your vehicle, gap insurance may help cover the difference between what you owe and its actual cash value if ’the vehicle is totaled or stolen.

Contact Us

Contact SaveGuard Insurance in Hayward, California, for a personalized auto insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.