Different Types of Auto Insurance – Car Talk Podcast


Car insurance is so that you’re able to make an informed choice.

Liability coverage is the earliest kind of insurance. It is the most popular type of car insurance and is usually required by all drivers under state law. It covers damages that result from an auto accident in which you’re at fault. Liability insurance is a way to cover the cost of the damages to one’s automobile or the injuries that result from car accidents that you created.

In some states, drivers aren’t required to carry liability insurance. In addition, not all policies provide enough coverage for large sums of damage. This is where uninsured/underinsured motorist coverage comes in. This policy kicks in if you’re in the middle of an incident where the insurer of the responsible driver doesn’t cover the damages.

There is also physical insurance for damage in the event that your vehicle is damaged as a result of a car accident. In the event that a tree limb falls on your car, insurance for physical damage will compensate for it. For more information go to the video on the right.

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