Auto Coverage: Definitions

Our customers are always asking us questions about coverage. One of the most common questions pertains to the type of coverage on auto policies.

In the state of Indiana, all vehicles must have liability coverage. This coverage would protect another driver (and his or her vehicle) if you are involved in an accident that is your fault.

Let’s dig a bit deeper and explore some other definitions pertaining to auto liability.

Auto Liability Definitions

People often confuse uninsured and underinsured coverage. These types of coverages are intended to protect drivers who are hit by other drivers without proper coverage levels.

Comprehensive coverage (other than collision) covers situations such as hitting a deer, glass breakage, falling tree limbs, or circumstances considered “acts of God.” This coverage is optional, but it can be a wise investment.

Collision coverage protects your vehicle if you are involved in an accident that is your fault. This coverage is also optional, but you must have comprehensive coverage if you want to have collision coverage.

If you want full coverage it will have all of the above coverages. You must have full coverage if you have a loan or lease on your vehicle.

If you have any questions about these or other coverages available, please give us a call and we will be glad to go over them with you.

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