The Different Types of Auto Insurance Plans

by | May 27, 2020 | Insurance

There are several different types of auto insurance plans. The plans are usually defined by how much they cover in the case of a claim being filed. Some of them also offer different types of claims that might be applicable. For example, some insurance plans might cover routine maintenance, others might cover extraordinary maintenance, and others might only cover the results of collisions. The type of coverage will also differ. Some cover only the other party’s vehicle in a collision that is your fault; other types cover all or part of your vehicle repairs as well.

Liability Plans

Liability plans are the most affordable auto insurance plans. In an accident that is your fault, a liability plan will cover the costs of repairs to the other person’s vehicle. They are affordable because they do not cover your own vehicle; this means that the insurance company will not have to pay as much money in the case of you making a claim. There are other plans that are slightly less affordable in the short term but could save you money in the event of an accident.

Greater Coverage

There are many insurance plans that offer more coverage than just a liability plan. These plans offer coverage that extends to your own vehicle even if the collision is your fault. They are more comprehensive which means that they will cost a little bit more than a liability plan. The insurance company will have more at stake. Furthermore, you will have the option of plans that even cover expenses that are not the result of collisions.

These expenses could be because of normal wear and tear or extraordinary circumstances. If you take your vehicle to a mechanic, you could be covered by your plan. You should ask the Insurance Offices Texas about different plans. You can find them at or call at 800-419-3506. You can follow them on Twitter for latest news and updates!