There are different types of auto insurance covers available to car owners and those who lease cars. The different types of covers are usually cover specific types of damage, and the one you choose will depend on your circumstances. In this article, we are going to discuss comprehensive auto insurance, full coverage, collision coverage and liability coverage to help you better understand each type for better decision making.

Comprehensive Auto Insurance

This insurance cover ensures that your car is replaced in case of a theft, or that it is repaired in case of damage from a number of situations. It covers damages from fire, vandalism, falling objects (such as tree branches), natural disasters (hail storms, hurricanes, and tornadoes), damage from animals and damage from a civil disturbance. The important thing to note is that comprehensive auto insurance will not cover damage suffered in a car collision accident. It will also not cover the medical expenses resulting from a collision. This cover is usually optional for car owners although it is usually required when leasing or financing a car.

Collision Cover

This is another optional auto insurance coverage that provides cover where the comprehensive cover does not. As the name implies, the collision cover will replace or repair your car in case it is involved in a collision accident. The collision may be with another car, a stationary object such as a guardrail, post, fence or a tree or the car falling over and rolling. It however doesn’t cover the damage to the other car involved in the collision, nor the medical expenses or any of the involved parties including yourself. Just like the comprehensive cover, people financing or leasing their cars will in most cases be required to get collision cover.

Liability Cover

While the first two auto insurance covers discussed are optional, liability cover is required by law in most States. In case you are in an auto accident that was your fault, liability insurance cover will pay for the replacement or repair of the other person’s car and also pay for their medical bills. Damage to other property other than the person’s car such as street lights, phone poles, fences among others are also covered. In contrast to the collision cover, the liability cover will not cover the damages to your own car. It will also not cover your medical expenses, although there is another cover you can take for that.

Full Coverage Auto Insurance

Full coverage auto insurance is not a single insurance cover, but rather a combination of several auto insurance covers. As you may have noticed, the above three covers will not fully protect you in all vehicle related accidents. With full coverage, you will choose which covers to take for maximum protection. In most cases, the above three covers will be part of the coverage. Others you can add include the medical payments coverage (takes care of your medical bills even if you caused the accident), emergency road service (covers towing and labor costs in case your car breaks down), uninsured motorist protection (covers your costs in case the person who caused the accident is not insured) among others.

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