Who benefits most from auto insurance?

With the many types of insurance available, it’s hard to know what you need and what you don’t need. Auto insurance is no exception.

There are so many different types of coverage that you can buy for auto insurance. Which ones do you need, and who benefits from the types of coverage available? Presley Insurance Group, serving the greater Dallas, TX region, is here to answer all your questions. 

Types of auto insurance coverage

There are several types of auto insurance coverage, but there are three main categories among insurance companies. Those coverage options include liability, comprehensive and collision coverage, and uninsured motorist coverage. Let’s explore what these options are and why they might be beneficial to you.


Liability insurance covers the cost of damage and injuries that occur to the other party if you are the one who caused the accident. These costs include any damage to the vehicle or property, medical bills, pain and suffering, and lawsuits.

Comprehensive and collision

Comprehensive coverage covers your vehicle if something other than a collision damages it. Collision coverage covers damage to your vehicle when you get into an accident, even if the accident is your fault.

Uninsured motorist coverage

If you get into an accident, someone else caused, their liability insurance is supposed to cover you. However, not everyone has the right amount of liability insurance to cover the claim. When that happens, uninsured or underinsured motorist coverage can cover the damage they caused.

Who benefits from having auto insurance?

Auto insurance benefits anyone who drives a vehicle. Most states in the United States require a minimum amount of liability insurance for all registered drivers. If you don’t have the minimum required amount, they could suspend your license, and you could be responsible for out-of-pocket costs.

Give Us A Call

Contact us at Presley Insurance Group in Dallas, TX to discuss your options and to get a non-obligation auto insurance quote.