Three Types of Coverage Your Auto Policy Should Include

The state requires people who own a car to have auto insurance. So, what does it protect you against? It includes several types of coverage that each protect you against different things. When you need auto insurance, we’re here to help. Give us a call at Anthony Lancaster Insurance Inc. in Memphis, TN, to get started. 

Property Damage Liability

This type of coverage will pay for damage to someone else’s property after your vehicle has come into contact with it. Most people think of this as just damage to another person’s car. However, it can also cover plant damage, monument or building damage, etc. If you’re responsible for damaging another person’s property, your policy can pay for the repairs needed to that property. 

Bodily Injury Liability

This works much like property liability coverage, paying for the damage that someone else experiences. In this case, it’s the physical injuries that are covered. Even a wreck that isn’t that bad can lead to serious injuries. And just because injuries aren’t that bad, that doesn’t mean that they won’t be expensive to treat. It’s essential to have this coverage to pay the medical bills of another party when you’re legally responsible for paying it. 

Collision Coverage

This is not liability coverage. Instead, it pays for your own property damage if you’re at fault for a wreck. Without this coverage, you’d have to pay to repair or replace your car on your own if you caused an accident. With this coverage, the problems can be taken care of so that you can get back on the road again. 

Get Auto Insurance Today

If you don’t have auto insurance, call us at Anthony Lancaster Insurance Inc. in Memphis, TN.