Auto Insurance Explanation

Do you know what type of auto insurance is available to you? It’s essential to have the correct type of insurance. There are many things to consider when buying auto insurance. There are many types of auto insurance that you can purchase to cover your car, truck, or other vehicles. Here is an auto insurance explanation. For more in-depth answers please consult a Long Island Car Insurance Company.

The coverage varies depending on the company and what they offer. When getting quotes, it’s crucial to have all the information you need for each type before making a decision.

What are the available auto insurance?

There are four types of auto insurance available on the market

Liability only insurance: Liability insurance is the most basic type of auto coverage. This will cover injuries and damage to others in an accident that you are responsible for. Still, it may not cover any damages done to your own vehicle or injuries sustained by yourself while driving another person’s car.

Collision insurance: It can cover damage caused when colliding with another object such as a tree, then collision coverage would pay for repairs to your vehicle without deducting from any other policies.

Comprehensive insurance: This is a more specialized form of coverage. It can cover damage caused by something other than a collision with another object, such as fire or vandalism.

Uninsured motorist insurance: If you are in an accident with someone who does not have any auto insurance at all, this can cover your damages and medical expenses up to what’s still covered by your own policy.

Underinsured motorist insurance: This can be a helpful policy to have as well. If you are in an accident with someone who only has insurance that is less than what your damages will cost, this coverage can step up and pay the difference for covered expenses.


Knowing the types of auto insurance is vital as it can help you decide the kind of auto coverage to take. It will also help you calculate the necessary premiums needed. If you are in the market for insurance, contact an insurance company. Please consult with them regarding any of the content listed above.