Auto insurance is often required by state law, but minimum liability coverage may not be enough to protect you fully. Drivers in Overland Park, KS should understand the various types of coverage available to ensure they have the necessary protection for their vehicles and themselves. Here’s a breakdown of the key coverage options to consider.

Minimum Liability

Minimum liability insurance is the type of coverage typically required by law. It covers property damage and bodily injury for the other driver if you’re at fault in an accident. However, it does not cover damage to your own vehicle. Additionally, events outside of accidents—such as theft, natural disasters, or vandalism—are often excluded from this type of coverage.

Collision Coverage

Collision coverage provides protection if you’re involved in an accident with another vehicle or object, regardless of who is at fault. Some policies may also include coverage for accidents involving animals, such as hitting a deer. Speak with an agent at HighPointe Insurance Services LLC to confirm whether animal-related accidents are included in your collision coverage.

Comprehensive Coverage

Comprehensive coverage protects against damage to your vehicle from non-collision events, such as fire, natural disasters, theft, and vandalism. In some cases, accidents involving animals may fall under comprehensive coverage, as these incidents are beyond your control. This type of coverage offers broader protection for your vehicle.

Additional Coverage

There are several other types of coverage and add-ons available to enhance your protection. Underinsured motorist coverage, for example, protects you if you’re in an accident caused by another driver who doesn’t have sufficient insurance.

You can also opt for packages like roadside assistance, which provide benefits such as towing services, fuel delivery, and emergency tire changes. These add-ons can offer peace of mind and convenience in unexpected situations.

At HighPointe Insurance Services LLC, we’re here to help you understand the various types of coverage and find the right policy for your needs. Contact us today to learn more. We proudly serve the Overland Park, KS area.