Common Types of Coverage Options for Auto Insurance

Shopping for auto insurance can seem overwhelming. Many coverage options are available in and around Richmond, VA. It is essential to understand their differences to make an informed decision.

Bacon Insurance Group offers several types of auto insurance coverage to help protect your vehicle and assets.

Here is a breakdown of the basic options:

Liability Coverage 

Liability coverage is one of the most basic forms of auto insurance. Bodily injury liability helps cover the costs of treating someone else’s injuries if you cause an accident. Property damage liability covers damage to another person’s property resulting from an accident you caused. 

Collision Coverage 

Collision coverage helps pay for repairs or replacement costs for your car if it is damaged due to an accident that was your fault. It usually covers both at-fault and not-at-fault accidents, although there may be some exceptions depending on your policy. 

Comprehensive Coverage 

Comprehensive coverage is another type of auto insurance that protects against non-accident-related damage, such as theft, weather damage, or vandalism. It also generally covers repair or replacement costs if your car is damaged by something other than a collision in Richmond VA.

Uninsured Motorist Coverage 

Uninsured motorist coverage helps cover medical expenses and lost wages if you are injured in an accident caused by a driver who doesn’t have auto insurance. It also helps protect you if you are hit by a driver who flees the scene without providing their contact information or insurance information (known as a “hit-and-run” accident).  

Get The Right Coverage For Your Needs

If you want to learn more about the different types of coverage and what might be best for your needs, contact Bacon Insurance Group today! We serve the greater Richmond, VA community. Our friendly agents will answer all your questions and help you get the right policy for your situation so that you can drive with peace of mind knowing that you are covered in case something unexpected happens.