Types of Coverage

As a driver, it is not only important to buy Delaware auto insurance, but it is also important to understand what the different types of coverages mean to you. When you’re in an automobile accident, you want to know exactly how you are covered. Let’s take a look at the different kinds of insurance you must buy, as well as the types of coverage you can choose to buy.

Bodily Injury Liability: This coverage pays for medical expenses, lost wages, funeral expenses, etc. of other people involved in an accident you caused.

Property Damage Liability: Vehicles aren’t the only thing you might damage in an accident. Property Damage coverage pays for the other person’s vehicle, as well as road signs, real estate, land, and anything else that may have been damaged.

Personal Injury Protection: PIP insurance covers the injuries of you and your passengers, even if you cause the accident.

Collision: Collision coverage pays for your vehicle repair or replacement. It only makes sense to purchase this coverage if you have a relatively newer car in good condition.

Uninsured/Underinsured Motorist: If the driver who caused the accident only had minimum coverage or was driving illegally with no coverage at all, your auto insurance will pick up the balance of your claim. It is then their responsibility to seek retribution from the other driver. Otherwise, you’d have to sue to get the money, which can take a long time and be very expensive.

Comprehensive: If you carry comprehensive coverage, your vehicle is covered in situations other than typical accidents. This includes vandalism, acts of nature, fires, theft, windshield damage, and more.