Most people agree that auto insurance is a must-purchase expense. It can help to pay for the costs associated with a car accident, like vehicle damage to your own car, damage to another vehicle, and medical costs for injuries. When it comes time to purchase car insurance, the options can be a bit confusing. There are many different coverage options, and you want to make an informed choice so that you have the coverage that you need to be safe. Keep reading to understand the different kinds of auto insurance coverage.

Liability Coverage

This kind of coverage is required in most states. You'll need to choose a set minimum coverage based on your state laws. Bodily injury liability will pay for the costs of another person's injuries if you're the one who causes the accident. Property damage liability will pay for damage you caused to another person's property while you were driving. 

Comprehensive Coverage

This kind of coverage will protect you if your car is damaged in a non-accident situation. This includes things like theft, hail, fire, or vandalism. When you purchase comprehensive coverage, you'll select a deductible amount that you will need to pay when you make a claim.

Collision Coverage

If you're in an accident and you hit an object or your car is damaged, your insurance can pay for repairs if you have the proper coverage.

Uninsured Motorist Coverage

Unfortunately, not all drivers carry insurance. If you're in an accident and it's caused by someone who does not have insurance, this coverage will be of use. It can pay for medical costs, and, in some states, it can also help to pay for damage to your vehicle. 

Underinsured Motorist Coverage

If you're hit by a driver who is underinsured, their coverage may not take care of all of your medical bills. You can use your underinsured motorist coverage to pay for the rest of your medical costs. 

Medical Payments Coverage

If you or a family member is driving your insured vehicle and are injured in an accident, your medical payments coverage may take care of the cost of medical needs. This may include things like doctor visits, x-rays, and surgery. 

Make sure that you don't ignore the need to buy car insurance. This guide should make it a bit easier to choose the right auto insurance coverage for your needs. If you have specific questions or if you're ready to purchase auto insurance, reach out to a car insurance agent in your community.