Complete auto insurance protection encompasses liability, collision, and comprehensive insurance. Indiana law mandates that auto insurance must include liability insurance to cover damages and potential injuries to others following an accident where you’re at fault. However, the law in Indiana does not require collision or comprehensive insurance, both of which pay for damage to your vehicle under different circumstances as explained below. Due to the complex nature of auto insurance, it may be beneficial to reach out to experts like the Trestle Insurance Agency Inc.’s team serving Evansville, IN, for guidance.

Collision versus Comprehensive Insurance

Both collision and comprehensive coverage cater to damages that occur to your vehicle. Collision coverage comes into effect when your car is involved in an accident where you’re at fault. Comprehensive coverage covers damages that aren’t related to collisions. This type of insurance covers damage from theft, vandalism, hail, colliding with an animal, or even a tree falling on your car.

While these two types of insurance aren’t legally binding, your lender will likely require you to have both if you’ve financed your car. If you own your car outright, the decision to buy collision and comprehensive coverage rests on you. Some people choose not to pay for these insurances, taking the chance of paying out of pocket for any repairs or a new vehicle. It’s common to drop these coverages once a car is about ten years old, given the diminishing value of the cavehicleWorking With Trestle Insurance Agency Inc.

For residents of or near Evansville, IN, the Trestle Insurance Agency Inc. team can assist you with all your auto and other insurance requirements. Connect with us today or call (812) 214-4825 to ensure you have an insurance plan that ideally meets your needs.