The kind of auto insurance coverage that you need will depend mostly on the way you use your car. Obviously, the more you use your car the greater will be the risk of being involved in a car accident. On the other hand if you drive less and occasionally, the kind of insurance coverage will depend on the scenarios in which you drive your car yourself.
If you commute to work every day instead of using public transportation, and the distance you travel is quite high too, it is absolutely imperative that you have personal injury protection and collision coverage. This will take care of all damages to your car in case of an accident irrespective of whose fault the accident is. PIP will take care of the medical expenses to treat all bodily injuries sustained during the accident. Ignoring this coverage just to lower the insurance premium is not a safe choice at all. Besides, you need to shop around and look for discounts on the insurance coverage you need rather than doing away with the coverage itself.
If you are one of those car owners who frequently go on longer journeys by car, you need more than just collision insurance. There are some travel related policies too, which will cover damage to your car while you are on a journey as part of a vacation. Such an insurance coverage will take care of the medical expenses not only of the driver but also of those who are travelling in the car. Such insurance will keep you financially safe when you are headed for long rides in your car. The cost of medical expenses when several people travelling in a car are injured could go very high. Hence if you use your car for such trips, you need to be insured. Similarly, taking road side assistance is important as you can never be assured your car wouldn’t break down in the middle of nowhere.
If you live in an area which frequently experiences cyclones, hailstorms or floods, you need to take comprehensive coverage too. This will provide insurance for all such unforeseen situations, where your car can sustain some serious damages. Although it is mandatory that every car driver has liability insurance, it is quite possible that you meet with an accident due to another driver’s fault; but the driver isn’t insured. In such cases uninsured bodily injury or property damage can take care of your costs.
