Auto Insurance


What You Need To Know About Auto Insurance


Anybody that owns a car needs to have auto insurance. Every state requires this coverage on any vehicle that is driven. When a car accident occurs, whoever causes the accident is responsible. There’s some gray area where an accident can be both people’s fault to a certain degree but that’s an exception to the rule.

The main coverage on an auto insurance policy is Liability coverage. This covers the damage you cause to others including bodily injury and property damage. Your policy covers up to whatever limits you selected for this coverage. It’s not a good idea to have state minimum liability insurance as this is almost universally too low for most people.

The next coverage is uninsured/underinsured motorist. This covers you, your passengers, and your car in the event someone causes an accident with you and either doesn’t have insurance or their liability limits are too low to compensate you.

Personal injury protection is medical coverage for you and each person in your car in the event of an accident regardless of fault. Usually, the limit on this coverage is either $10,000 or $35,000.
Comprehensive coverage covers damage to your car that isn’t the result of a car accident. The types of events these covers are a tree falling on your car, it catches fire, vandalism, it’s stolen, and so on. The damage is covered minus the deductible you choose.

Collision coverage is if you cause an accident and need to repair your car. Like comprehensive, this has a deductible you must pay out of pocket.
There are other miscellaneous coverages on an auto insurance policy such as roadside assistance, glass coverage, gap insurance (the difference between what you owe and what the car is worth if it was a total loss), and so on. For more information, on auto insurance that fits your unique needs, please contact our agency.