McClain Matthews Insurance Blog
Indianapolis, like many places, is no stranger to unexpected car accidents that can happen to even the most careful drivers. Whether your car is parked or in motion, a moment of inattention or someone else's negligence can lead to a stressful situation, especially when your vehicle sustains damage. That's where car insurance comes into play, offering the potential to alleviate the financial burden of repairs and replacement parts. However, understanding whether your car insurance covers the damages you've caused can be a bit more nuanced. Let's delve into the details.
Types of Auto Insurance Coverage
Your car insurance coverage plays a crucial role in determining which damages, if any, will be covered when you're involved in an accident, regardless of fault. There are three primary types of coverage to consider:
The extent to which your car insurance covers damages you cause, whether to your own vehicle or someone else's, largely hinges on the type of coverage outlined in your policy. While liability coverage is typically required by law and addresses damages to other vehicles or property, it does not extend to your own car. To secure coverage for your own vehicle, you may opt for collision and comprehensive coverages, which can help offset repair and replacement costs, even when you are at fault.
To ensure that you have the right level of coverage that suits your needs, it's essential to review your car insurance policy regularly. If you find that your current coverage doesn't align with your requirements or preferences, consider making adjustments to your policy to provide the protection you need in Indianapolis, IN.
At McClain Matthews Insurance, we put our clients first by offering them policies that they can afford. Insurance is a necessity nowadays, and we're here to help you. Learn more about our products and services by calling our agency at (317) 298-7500. You can also request a free quote by CLICKING HERE.
Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.