When you get an auto insurance policy, it comes with a lot of different types of coverage. Some of these are required by the state, and some aren’t. Having all the coverage types can be helpful so that you and your vehicle are well-protected. Having liability insurance is required, and this comes in two types. There is bodily injury liability and property damage liability. To add to this coverage, you should have both collision and comprehensive coverage. Each protects you in a different way. Contact us at Cross Creek Insurance in Hope Hills, NC to get your auto insurance policy.

Collision Auto Coverage 

When you have liability coverage, it will cover the damages done to someone else and pay for their medical bills and repair bills. However, liability coverage doesn’t pay for damage to your vehicle. If you’re found to be at fault for an accident, collision coverage will pay for the damages to your own vehicle. If the vehicle is totaled, the policy could pay for a new vehicle or pay what the vehicle was worth when it crashed, depending on your specific policy. No one should be without this coverage just in case they should be at fault for an accident. 

Comprehensive Coverage

It’s also important to opt for comprehensive coverage in your auto policy. This coverage protects you against many things that can happen when the vehicle isn’t being driven. Many accidents and other incidents can happen to a vehicle when it isn’t on the road. With this coverage, you’re protected against them. 

Get Auto Insurance

If your auto policy doesn’t include comprehensive or collision coverage, it’s time to add it. Call us at Cross Creek Insurance in Hope Hills, NC to discuss the types of coverage you need.