The 4 Coverages You Must Have with Auto Insurance

When you select CT auto insurance you have several choices on the type of coverages you can purchase. Some of these coverages are requirements by state law, and some of the coverages are optional. It is important that you understand the basic terms and that doing without these coverages can open you up to a financial loss.

  1. Comprehensive Coverage

This pays for damages to your vehicle for many things besides a road accident. Some of these include the following events:

  • Fire
  • Theft
  • Deer Accidents
  • Vandalism

2. Collision Coverage

This is likely the most important coverage to have, as it pays for damage to your automobile from accidents on the road. Since car accidents can cost tens of thousands of dollars it is necessary coverage if your vehicle is worth more than a few thousand dollars.

3. Liability Coverage

This can also be a big-ticket expense, as it covers property damage and injuries you might cause with your car. If you lose control on the road and smash into a restaurant, this coverage can protect you from expensive repairs to the building.

4.  Medical Payments Coverage

Car accidents frequently result in injuries, both serious and minor. This coverage will help cover medical expenses of the people in the covered vehicle.

Good CT auto insurance will likely include these items. Your agent can also help you with other coverage options.