Throughout the United States there are a number of laws which require individuals to carry mandatory minimum liability insurance if they plan on driving a vehicle on public roads. This mandated insurance coverage typically only allows for the driver to use their policy to pay for any damage they cause to other vehicles or individuals in the event of an accident.

However, this minimum level is often not enough to actually give you the ability to recover from a car accident you are involved in. Luckily, there are a number of other auto coverage options that can better protect you and prepare you for a variety of situations.

Auto Insurance Needs

Because there are a wide variety of car accidents which can impact your finances and wellbeing in a number of ways, there are a variety of auto insurance coverage options which meet different needs. These can include the following:

• Collision coverage: This form of insurance can help you pay for the damage done to your car if you are involved in an accident.
• Comprehensive physical damage coverage: This option can help you pay for any physical damage done when you are involved in a car crash, including accidents involving uninsured motorists. This can also cover the costs of damages caused from non-collision sources, such as weather damage.
• Rental car reimbursement: This auto insurance option helps you pay for a rental car if your car has to go into the body shop following your accident.
• Medical payments insurance coverage: This helpful option for coverage can help cover the medical bills and need for treatment resulting from your accident.

If you are interested in having less to worry about following a car crash, you may want to consider obtaining a more comprehensive coverage policy.