Auto insurance is required by law. It protects you by paying for damage to your car or injury to you or your passengers in the event of a crash, as well as damage or injury you cause to others while driving your car. Other events, including theft and vandalism, are covered through your auto insurance.
Coverage requirements vary by state, but usually include:
- Personal Injury Protection: required in many states, pays you for medical treatment resulting from a crash, regardless of who may have been a fault. Also referred to as no-fault coverage, it may also pay for lost earnings and funeral expenses. State law usually sets minimum required amounts. Higher amounts are available and often recommended.
- Liability: pays for bodily injury to others and property damage for which you are responsible. Included are costs for medical expenses, lost wages and pain and suffering, damaged property and loss of use of property.
- Uninsured Motorist: pays for damages when an insured person is injured in a crash caused by a person who has no liability insurance, or by a hit-and-run driver.
- Comprehensive coverage: pays for damage caused by threats other than collision, including fire, wind, hail, vandalism and animal strikes.
- Collision: pays for damage to your car caused when one or more vehicles are in motion.
We have affordable insurance options for all your vehicles. Give us a call. We can help.
