Understanding the Different Types of Auto Insurance Coverage

Auto insurance can provide financial support in case of accidents and other vehicle-related risks. It may cover repairs, medical bills and other expenses, so they don’t all come out of your pocket.

Types of Auto Insurance Coverage

Many types of coverage are available to Mississippi drivers. Our agents may recommend the following:

• Liability coverage may help pay for injuries or property damage you cause to others after an accident. This coverage includes two parts:
• Bodily injury liability may cover medical costs for others if you are at fault.
• Property damage liability may pay for damage to another person’s property, such as a vehicle or fence.
• Collision coverage can help pay for repairs or replacement if your vehicle is damaged in an accident. This option can be useful for newer vehicles or cars that are still being financed.
• Comprehensive coverage may apply to damage caused by incidents unrelated to a collision. Examples include fire, falling objects, theft, vandalism or severe weather-related events.
• Uninsured and underinsured motorist coverage can help cover accident-related injuries or damage caused by a driver with little or no insurance.

Optional Coverage Enhancements

Auto insurance riders, also known as endorsements, can modify how a standard auto insurance policy responds in specific situations and address coverage gaps. Depending on how you use your vehicle, our agents may recommend rental car reimbursement, roadside assistance, gap coverage or custom equipment coverage. Availability and pricing often vary by carrier. Our team can help you review these options and decide which additions make sense for your policy.

Learn More

Our team at Jarrard Insurance Inc helps Mississippi residents find suitable auto insurance policies at favorable rates. We can discuss each option and answer any questions you may have about your policy. Contact us today to get a custom quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.