1. Liability – This is the most basic type of coverage. It covers the other person and their automobile in the event of an accident that is your fault. This is commonly the minimum level of coverage required in order to be able to drive legally in most states.
2. Personal Injury Protection – In the event that there are medical expenses from an accident, this coverage will ensure that you and your passenger will have your medical bills covered up to a certain amount.
3. Collision – When you are in a collision, both you and the other person’s car are covered against damages. This is a good idea if you have a more valuable car. The amount of the coverage is based on your deductible.
4. Comprehensive – This coverage pays out when automobiles are affected by something other than a car accident, including theft, vandalism, and weather.
If you are ready to start driving, one of these coverage levels should suffice your needs. For more information, contact an agent for car insurance Orange County FL has to offer. They will be able to help you select the right insurance policy.