Depending on your needs, there are a variety of coverage’s within an auto insurance policy. All auto insurance policies include liability coverage and uninsured/underinsured motorist coverage. 

Liability protects you for damage caused by you to other vehicles, personal property, or bodily injury to others. 

Uninsured/underinsured motorist coverage is coverage for you in the event of an accident were the other party is at fault, but does not have coverage in force or is carrying a limit that is lower then the medical payments you have received.  Coverage is for medical payments only and will not cover damage to your vehicle. 

Uninsured/underinsured motorist coverage offers two options, standard and conversion.  Standard uninsured/underinsured motorist coverage will cover up to the limits of your policy.  Conversion uninsured/underinsured motorist coverage allows your limits of coverage to be use after the liability limits of the responsible party have been exhausted. 

Other coverage’s within an auto insurance policy which are optional include, medical payments, comprehensive coverage, collision coverage, rental reimbursement coverage, towing coverage and glass coverage.

Additional coverage’s that are optional include, towing/roadside assistance (coverage for mechanical breakdown), rental reimbursement (coverage of a rental vehicle if the insured vehicle is damage by a covered claim), and full glass coverage (eliminates the comprehensive deductible for glass). 

As you can see, there are a wide range of possibilities when determining auto insurance. Knowing exactly what you need and how much insurance is required can be difficult. Let the knowledgeable professionals at Get Insured CT help keep your premium costs down while securing adequate coverage for you and your vehicle.