3 Main Types of Auto Insurance Coverage

When it comes to automobile insurance, there’s a great deal to figure out. Whether you just want a basic auto policy or some of the additional coverage, it’s a good idea to know what the different types are first.

Liability Insurance

This is the minimum of what you’d need as a legally-insured driver. It protects the driver in the event he or she is responsible for an accident, or if the driver is held responsible for some reason. The coverage is for medical expenses, lost wages, damages to the other party’s vehicle, and consequences of any injuries that occurred.


Having comprehensive coverage means that you’ll be able to replace your vehicle if it’s damaged by natural disasters or if it gets stolen. It’s known as "other than collision" in some states. This optional type of coverage may be important if there’s a higher risk of damage or theft (outside of your control) where you live. Talk to a reputable insurance agent like those at Murvay Insurance of the Newport Beach, CA area to determine if comprehensive would be ideal for you.


This policy type covers any repairs that need to be done on your vehicle in the instance there’s a traffic accident, regardless of who’s at fault. Collision insurance also covers property damage, as well as damage to your automobile if you have an impact on buildings, trees, or anything else basically. A replacement vehicle may be available to you if your car or truck is deemed to be "totaled" by your insurance provider. Typically, it would have to be a vehicle that is at the same or lower market value than your current one.

Contact the agents at Murvay Insurance, serving Newport Beach, CA and beyond, with your questions about auto insurance. We’ll assist you in creating the best policy to fit your unique situation in California.