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Which Types of Auto Insurance Are Most Essential?

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Types of Auto Insurance Are Most Essential in San Diego, CA

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If you’re in the market for car insurance, you should probably spend some time researching all the different types of coverage. While most basic policies cover issues like minor repairs after a fender bender, there’s extended coverage you should consider as well. A solid insurance policy is going to be your first line of defense against a variety of potentially expensive problems you might have to deal with in the coming years. Here’s what you need to know regarding the most important types of car insurance, brought to you by Altra Insurance Services, a premier provider of auto, homeowners, renters, and motorcycle insurance San Diego residents can rely on for affordable coverage.

Basic Liability

Following an auto accident, the claims adjuster is going to spend some time figuring out exactly who caused the collision. In some cases, only one party will be completely responsible for the accident, and his or her liability coverage will pay for the other party’s medical bills and repairs. Liability coverage is a legal requirement in most areas, and all drivers should have this type of coverage before they get out on the road. Without liability coverage, you could be personally responsible for major expenses after an auto accident.

Uninsured/Underinsured Coverage

Even though most drivers are legally required to have auto insurance, many people don’t have adequate coverage. Other drivers simply get behind the wheel without any type of insurance, and that can make collisions extremely complicated. You should be able to take another driver to court if you get into an accident and the other driver doesn’t have insurance, but those cases can take quite a bit of time. With uninsured/underinsured insurance, your own policy will help you take care of your expenses if the other driver doesn’t have adequate coverage or any insurance at all.

Comprehensive Coverage

This type of insurance add-on usually isn’t a requirement, but it’s an upgrade you might want to consider if you have a newer vehicle. The average liability policy only covers very specific items, such as vehicle repairs, replacement parts, and medical bills. For other perils, you’ll need comprehensive coverage. That type of policy will include damage caused by issues like theft, hail, fire, and vandalism. You might also need to invest in this type of coverage if you’re leasing your vehicle.

Commercial Policies

If you ever use your vehicle for any type of business, you should take a look at commercial auto insurance. One of those policies is going to protect your personal finances as well as your company’s assets if you ever get into an accident while doing business. A commercial policy will be needed if you use your vehicle to provide a service to customers or haul business property. That being said, you probably won’t need commercial coverage if you only use your vehicle to transport yourself to and from work. Collisions that take place during commutes are almost always covered by private auto insurance policies.

When they need affordable, reliable auto insurance, San Diego drivers turn to Altra Insurance Services. For high-quality insurance and unparalleled service, reach out to one of our friendly representatives today at 619-474-6666 to learn how you can save money on your auto insurance.

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