What Coverage Do I Need For Auto Insurance

Choosing Auto Insurance Coverage. What's the recommended auto insurance coverage? The recommended coverage is one that is affordable and protects an insured's investment in the value of owned autos, pays medical expenses when injuries occur, and covers an insured's legal liability as a result of automobile accidents.

A basic car insurance policy might cover property damage liability, collision, and uninsured motorists, but bodily injury liabilty is the legal minimum. Car insurance is incredibly important; you need car insurance to make sure that your car is covered, whether you purchase full or basic car insurance.

Basic Coverage. The most important types of auto insurance you can have are liability, comprehensive and collision coverage.Liability Coverage. Though liability coverage doesn’t protect you or your car, it does protect your wallet! ...Comprehensive Coverage. Remember that hailstorm that left a lasting impression on the hood of your car? ...Collision Coverage. Whether it’s the kids screaming in the back seat that makes you hit the brakes a second too late or the black ice that turns your sedan into ...

There are no clear rules around how much business auto coverage you need. Nationwide requires at least $100,000 commercial auto liability coverage per vehicle, with a recommended minimum of $500,000 up to a maximum of $1 million. For even more coverage, consider a business commercial umbrella policy.