Auto insurance encompasses many types of insurance in one package. To determine what type of coverage you need for your vehicle depends upon a number of factors, such as automobile age, current value, and who is driving the vehicle. In addition, most states require liability coverage to pay for damage and injury to others if you are at fault.

Other possible coverage includes:

  • Comprehensive – As the name implies, this covers a wide range of calamities from hail damage, theft, vandalism, and fire.
  • Collision – This covers repairs to your vehicle whether you hit another auto or something else, such as a guardrail.
  • Uninsured/Underinsured – Nearly 13% of drivers are uninsured and almost 30% don’t have enough insurance. Having Uninsured/Underinsured coverage may save you headaches later. Several, although not all, states require drivers carry uninsured motorist coverage.
  • Medical Payments – If you or someone in your car is injured, this coverage will pay for your or their medical expenses.

Your Cornerstone Advisor will assist you to determine how much, and what types of coverage make sense for your household.

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