Auto insurance provides many beneficial forms of coverage for drivers. From liability coverage for accidents where you’re at fault to protection from unforeseen situations like flooding and theft, car insurance offers many coverage options for drivers. However, car insurance doesn’t cover everything. There are circumstances where auto insurance wouldn’t cover an incident or situation, and you may have to pay out of pocket for these types of situations.

Our team at Bogden Insurance Agency is committed to helping Berlin, CT residents get the coverage they need.

What does auto insurance cover?

Auto insurance provides drivers with a wide variety of different coverage options. Most states require drivers to carry auto liability insurance which covers any property damage or injuries you cause to others while driving. However, this type of coverage will not cover any damage to your car or any personal injuries you sustain in an accident.

Collision coverage covers the damage your car sustains in an accident as well as any personal injuries you may sustain as a result of an accident. Comprehensive coverage covers non-moving accidents. For example, if a tree branch falls on your car, comprehensive coverage will cover the repair or replacement of your car.

Theft, vandalism, and damage from inclement weather conditions are also examples of situations that are covered by comprehensive auto insurance.

Will my auto insurance cover the replacement of the transmission in my old car?

Maybe. If your transmission is damaged as a result of a covered incident or accident, your collision car insurance will cover the repair or replacement of your transmission. However, if your transmission fails on its own due to normal wear and tear, your auto insurance will not cover the repair or replacement of your transmission.

Looking for Insurance in Berlin, CT?

If you have questions about coverage options when it comes to auto insurance, call us at Bogden Insurance Agency. We’d be happy to help you explore your options.