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When buying an auto insurance policy, you will have many different coverage options to choose from. In this article, you can learn more about several of these options. Taking the time to review the information below can help to ensure you are getting the auto insurance coverage you need and deserve.

Liability Coverage

Liability coverage is currently required by law for all drivers. As a result, all auto insurance policies will include this type of coverage. The purpose of this coverage is to protect other drivers in the event you ever cause an accident. If you are found to be liable for causing an accident, this coverage will pay for the damage to the other driver's vehicle, as well as any medical expenses the other driver may have as a result of injuries suffered in the accident. 

Collision And Comprehensive Coverage

While collision and comprehensive auto insurance coverage are not required by law, many lenders will require you to have this coverage if your vehicle is currently being financed. The purpose of this coverage is to cover the cost of repairing your vehicle if it is damaged in an accident that you caused. This coverage also applies to damage done to your vehicle by extreme weather. In many cases, theft will also be included under comprehensive coverage. While anyone can choose to purchase this coverage, it is often most beneficial for individuals who have newer, more valuable vehicles since there is often a deductible associated with this type of coverage. 

Uninsured And Underinsured Motorist Coverage

If you are ever hit by a driver with no insurance, your options will be rather limited when it comes to securing payment for the damage done to your vehicle. The same is true if the individual who hit you fails to have enough coverage to pay for these damages in full. That is where uninsured and underinsured motorist coverage comes into play. This type of auto insurance coverage allows you to file a claim with your insurance provider for any expenses that are not covered by the other driver's insurance coverage. 

Roadside Assistance Coverage

If your battery dies and you need a jump, you get a flat tire, or simply run out of gas, roadside assistance coverage can prove invaluable in helping you to get back on the road quickly. This type of auto insurance coverage will provide you with access to help in these situations 24 hours a day, 7 days a week. This type of insurance coverage also includes coverage for towing fees if your vehicle ever needs to be towed to the repair shop. 

For more information, reach out to a local service, such as Full Service Insurance Agency of Wisconsin LLC.