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When you purchase car insurance, the primary coverage type you need is liability protection. Liability protects you in several fundamental ways, but it is not the only coverage you can buy. You can always add supplemental car insurance coverage to your policy. Are you wondering what this means? If you are new to insurance, you might have questions about supplemental coverage, and here is some information to help you understand what this means.

Understand the Coverage You Receive from Liability Insurance

The first thing you need to know is how liability insurance works. Liability insurance is the most basic type of insurance coverage you can have, yet it is one of the most important types. Liability provides two primary types of coverages to you:

1. Compensation to others — If you cause a collision, your insurance pays the other party's damages.
2. Protection to you personally — If you cause an accident and have liability coverage, the other person cannot sue you personally for their damages.

Having this coverage is a legal requirement in most areas, so if you buy car insurance, this is the type you will automatically get.

Learn the Definition of Supplemental Coverage

Supplemental coverage is extra protection you can add to your policy on top of your liability coverage. When you buy supplemental insurance, you add other types of protection to your plan. You can choose from many types of supplemental coverages to add to your plan, and you can customize your plan to meet your needs and risks.

Find Out the Options for Supplemental Coverage

As you determine what types of supplemental coverages to add, you might want to know the main types. The first type is collision. Collision coverage protects your vehicle if you cause an accident that damages your car. Your policy pays for your repairs if you have a collision. If you want more coverage than this, you can add comprehensive. Comprehensive pays your car repairs for other types of damages, such as hail damage or theft.

You can also add roadside assistance to your plan. If you break down, run out of gas, or get a flat tire, this coverage helps cover the costs of the auto repair services you need. You can also purchase many other types of supplemental protection.

When you buy car insurance, you will want to have a policy that offers the right protection. If you would like to learn more about your options, contact a car insurance agent today.