Types of Coverage

Do you already know what type of auto insurance coverage you need? Then look no further as all you have to do in input your zip code above and RideCoverage.com will instantly get several quotes served to you for the exact type of auto coverage your require.  For everyone else this page will share information about different types of insurance policies you have to select from.

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Types of Car Insurance

Liability Auto Coverage

Liability Auto Insurance Coverage is typically one of the cheapest insurance policies as it only covers the costs to repair or cover medical costs associated with the other people are involved in an accident your declared “at fault” for.   Liability coverage will not typically pay for any repairs for your own automobile and only covers the legal requirements set by the state of California.

Comprehensive Auto Coverage

Comprehensive Auto Coverage is an add on coverage that will cover everything that isn’t due to a direct auto accident.  Weather typically plays a large role in the reason an individual in California may opt to pay for comprehensive coverage.  Tornadoes, hurricanes, floods, fire and many other natural disasters can cause thousands of dollars worth of damage very quickly.  Comprehensive auto coverage will cover all of this.  In addition, this add on to your policy will typically cover any vandalism occurred or damage caused if you were to accidentally hit any wild life animals while driving.

Collision Auto Coverage

Collision Auto Coverage is exactly what it sounds like.  It covers the cost of your repairs if you were to get in an auto accident.  Unlike comprehensive auto coverage collision will cover the cost of repairs regaredless if the accident involves another car or even property.  Collision coverage typically covers theft and natural disasters as well.

Underinsured & Uninsured Auto Coverages

Underinsured Auto Coverage (commonly referred to as UIM) protects you against other drivers who elect to carry only the minimum auto coverage legally required by the state of California.  If for any reason your costs go above and beyond the at fault drivers policy covers your policy will step in a cover the expenses.

Uninsured Auto Coverage (commonly referred to as UM) is similar to under-insured coverage accept it covers all your costs in the event that the person at fault for the auto accident does not have any auto insurance at all.  While its legally required to carry auto insurance in the state of California this does not stop people from driving illegally.