We all know that in order to drive, you need more than just a license and a car. You need car insurance, too, to secure yours and your vehicle’s protection in the event of a car accident or some other unexpected road incident.
As they shop around, Plainfield, Indianapolis, Fishers, and Bloomington drivers may have some questions about which types of car insurance they should consider. Luckily, the Andy Mohr Collision Center team has written this article to show you the essentials.
1. Collision Insurance
Some drivers may think, “I’m always careful. Do I really need collision insurance?” The answer to that is, unequivocally, yes. While you may be as careful as they come, there’s no accounting for other drivers.
Collision insurance will cover most of the damages to your car after an accident with another vehicle. This will go towards repairs or even the replacements of costly auto parts.
2. Comprehensive Insurance
Beyond having to worry about the accountability of other drivers out on the road, there’s no predicting when an animal may spring in front of your car or when the weather might throw a curveball your away.
Comprehensive insurance goes above and beyond collison insurance to help pay for weather events, accidents involving animals, or even some acts of vandalism.
3. Uninsured Motorist/Underinsured Motorist Insurance
These two types of insurance typically go hand-in-hand, so we’ll lump them together as one.
While everyone out on the road should be driving with insurance, we know some folks may break the rules. Meanwhile, certain other people may be driving with the paltriest coverage they can get away with.
If the other driver can’t cover the costs of the damage to your vehicle, uninsured or underinsured motorist coverage will help fill in the blanks for you.
4. Personal Injury Protection Insurance
In the best-case scenario, you’ll be able to walk away from an accident with little to no injuries. However, what happens if you have serious medical bills as a result or even have to miss work (thus losing income)?
Personal injury protection insurance will cover some of those pesky medical costs you may not otherwise be able to afford. It can even supplement your income if you start to lose out on wages due to injury.
5. Gap Insurance
The majority of drivers with new cars have an auto loan that they’re paying on each month. If you were to total your car with a lot of money left on your loan, it could really put you in a bind.
Gap insurance helps pay for the amount you owe on a loan after it has been totaled or even stolen.
Does Your Car Need Collision Repair?
If Plainfield, Indianapolis, Fishers, and Bloomington drivers arm themselves with these five types of car insurance, the financial aspect of an accident ought to be covered. We here at Andy Mohr Collision Center will cover the repair aspect for you.
When your car is in need of collision repairs, contact our body shop to schedule an appointment!