What type of coverage is included in auto insurance policies?

Auto insurance policies generally include a variety of types of coverage. Liability coverage is included in most policies, and it covers other people’s medical bills, damage to property, or legal fees if you are at fault in an accident. Collision coverage covers damage to your own vehicle, no matter who is at fault. Comprehensive coverage is an optional type of coverage that covers damage to your vehicle caused by something other than a collision, such as theft, vandalism, or a natural disaster. Some states, including Indiana, also require uninsured/underinsured motorist coverage, which covers expenses if an uninsured or underinsured driver is at fault in an accident. Other optional types of insurance coverage can also be purchased, such as rental reimbursement or gap insurance. Generally, the more types of coverage you have, the more expensive your policy will be. Therefore, it is important to review your coverage needs and find the policy that best meets your needs at a price that you can afford.

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