What Does Auto Insurance Cover?

Like most of the 50 states across the country, New Mexico requires that all drivers have at least an auto liability insurance policy. This type of insurance will help protect you if you cause an accident and may pay for any injuries or property damage that occurs.

Our agents at Family Insurance Associates serving the Ruidoso, NM area want you to know that there are several options you can choose from when it comes to auto insurance in addition to liability insurance.

Auto Insurance Coverage Options

Collision Coverage

This type of insurance will cover any damage to your vehicle in the event of a collision with another car or object, no matter who is at fault.

Comprehensive Coverage

Comprehensive insurance covers damage to your vehicle from incidents other than collisions. This can include theft, vandalism, natural disasters, falling objects, fires, etc.

Uninsured/Underinsured Motorist Coverage

This type of auto insurance coverage helps protect you if you’re involved in an accident caused by a driver who doesn’t have insurance or doesn’t have enough insurance to cover your expenses. It can cover medical bills, lost wages, and even property damage.

Other Auto Insurance Options

You can also opt to have other types of coverage when it comes to your auto insurance policy. Some include medical payments, also known as Personal Injury Protection (PIP), rental car coverage, gap insurance, and towing and labor coverage.

Contact Family Insurance Associates

To create an auto insurance policy that works best for you and your situation, contact our experienced and trustworthy agents, Family Insurance Associates, serving the Ruidoso, NM area, today!