5 Types of Auto Insurance Policies You Need to Know

5 Types of Auto Insurance Policies You Need to Know

If you drive, you probably already know that you need to have some kind of automobile insurance in Bucks County in order to remain legally on the road. However, what many drivers don’t know is that there are multiple types of car insurance coverage—and though personal liability insurance is required by law, this bare basic coverage provides almost no benefit to the policyholder themselves after an accident. If you want coverage for your own collision repair or medical bills, you’ll need to add-on additional coverage.

Some of the most common types of auto insurance in Chester County, PA include:


Personal Liability Coverage

Personal liability coverage covers the cost of auto repair, property damage, and legal liability for anyone that you insure in an accident if you’re found to be at-fault. Liability coverage only pays for the other injured parties’ expenses—it does not cover any costs associated with repairing your vehicle or paying your medical expenses if you are the policyholder. Personal liability coverage is required to drive in most parts of the United States.

Collision Coverage

Collision coverage helps you cover vehicle repair bills if you’re involved in an accident. Depending on your policy limits, collision coverage may even replace your vehicle if it’s deemed undriveable.

Comprehensive Coverage

Comprehensive coverage extends the protections offered by collision coverage to include non-accident related damage. Comprehensive coverage may offer you compensation if your vehicle is vandalized, damaged by an animal, or marred during a storm.

Uninsured and Underinsured Motorist Coverage

Unfortunately, not every driver on the road has insurance. Uninsured and underinsured motorist coverage helps you cover repair or medical bills in the event that you’re involved in an accident with another driver who’s driving without insurance or who doesn’t have enough insurance to cover the costs of the accident.  

Medical Payment Coverage

Medical expenses following a car accident can be very expensive—and your health insurance may not cover all of the care you need. Medical payment coverage can help fill in the gaps in your health insurance if you’re injured in a collision.

Do you need help deciding which type of car insurance you need? The Bachmann-Zeitlin Insurance Agency is here to help! Give our team a call today at 267-327-4170 to learn more about your options.

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