An Overview of the Different Types of Car Insurance

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Insurance is protection against the unseeable (and often times unavoidable) accidents that happen in our lives. Because you only benefit from having insurance when you need it, it’s easy to forget how important it is—but after an accident, there’s no better feeling than the relief of knowing that your auto body repairs will be taken care of by your insurance company. Whether you’re uninsured or shopping for a better policy, here is an overview of some of the different types of insurance available to you.

Liability Insurance

In the event that you are in an accident and the police decide it is your fault, liability insurance covers the cost of repairing any property, such as cars and buildings, damaged in the crash. You are personally responsible for any claims that exceed your coverage’s upper limit, so try to go beyond your state’s minimum requirement if you can afford the payment.

Collision Insurance

Collision insurance will make sure the bulk of repairs to your car are paid for. If the total cost of repairing your vehicle, including mechanical and auto body repairs, is greater than the value of your car, your insurance company will deem the car totaled and pay out the value of your vehicle.

Comprehensive Insurance

Liability and collision insurance policies only cover car accidents. In order to cover other damage to your car, including theft, you’ll need to have comprehensive insurance. Anti-theft and tracking devices may bring down the price of this policy, depending on where you live and your driving history.

If your vehicle has been damaged in an accident, bring it to Dave’s Body Shop. We provide comprehensive auto body repairs at competitive rates, and we work with all insurance companies to get your car back on the road quickly. Call us at (888) 902-8220 to learn more about our collision repair services