Car insurance levels of coverage

If you’re wondering how much car insurance you need, the short answer is that you need the minimum amount of car insurance required by your state to drive legally. However, the state minimum is rarely enough coverage to provide protection in the case of an accident or car crash.

5 Types of Insurance Coverage: 1 Liability Coverage: When you are involved in the accident and when it is concluded that that accident took place before of your fault/negligence, the liability coverage will come to your 2 Collision Coverage. 3 Personal Injury Coverage. 4 Uninsured Motorist Protection. 5 Comprehensive Coverage.

Coverage limits are typically expressed in your insurance policy by a sequence of numbers. So, for example, if your policy has a $25,000 bodily injury liability limit per person, a $50,000 bodily injury liability limit per accident, and a $25,000 property damage liability limit, your policy would express it as 25/50/25.