3 Auto Major Insurance Plans and What You Should Know About Them

Posted by Dent Head Quarters on February 11th, 2019

When looking for auto insurance, finding the right one is not always easy. What makes it difficult is the general lack of knowledge about the different insurance coverage and how they differ from one other. Since car insurance companies offer multiple types of coverage, it’s crucial for them to do some homework before getting an auto insurance. By spending some time learning about the basic features of insurance coverage, this can help them in choosing the right plan, especially one that is just right for them.

To help you get the best insurance plan for your car, here are three types of insurance plans, which have their own range of coverage:

Liability insurance

Also known as Casualty insurance, it’s one of the most important insurance plans in the United States and is also compulsory in many US states. It covers damage and injuries that you cause to somebody else for which become legally responsible. It includes both bodily injury liability (BD), which means the injuries caused to the other driver, as well as property injury liability (PD), which refers to the damage caused to someone’s property such as a vehicle.

Collision Insurance

As the name suggests, it covers the damage that occurs to your car in an accident or a collision, irrespective of who was responsible. It’s designed to pay for most repair cost including accidental damage and paintless dent repair process. It’s a necessary insurance plan that you must have alongside liability insurance.

Comprehensive Insurance

This is another important coverage plan that covers the damage to your vehicle in cases where no other vehicle was at fault. Damaged caused by acts of nature such as fire, hailstorm, falling debris, riot damage, theft, and other incidents that are not in your control are all covered in comprehensive insurance. If you think it’s a suitable plan for you, you may not require Collision insurance along with this.

Do all of these insurance plans cover paintless dent repair process?

When it comes to avoiding high repair costs associated with paintless dent repair process, not all of these three cover the risk of financial liability. As stated above, liability insurance only covers the damage that you cause to others while collision and comprehensive insurance plans do cover dent and ding repairs. Moreover, many insurance companies also cover paintless dent repair. It’s imperative that you ask your insurance provider about this specific repair service beforehand.

In a nutshell

If you are planning to insure your car, make sure you carry out thorough research about different coverage plans available for your region. Depending on your needs, choose a suitable one. Usually, liability, collision, and comprehensive plans are the most suitable ones for most car owners.