Most states have a minimum auto liability insurance requirement. Auto liability will cover injuries and property damage sustained by other parties if you are involved in an accident that is deemed to be your fault.
You may also carry uninsured and underinsured motorist coverage. This comes into play if you are involved in an accident that is the fault of another party who does not have adequate liability coverage to pay for the medical bills for you and your passengers for injurie sustained in the accident.
Comprehensive coverage pays to repair or replace your vehicle if it is damaged or destroyed by fire, theft or a natural cause. Broken glass may also be considered a comprehensive loss.
Collision coverage pays for damage to your vehicle if you are involved in a collision with another vehicle or object. For example, if you back into a pole, this part of your policy will pay for the damages to your covered vehicle. Collision coverage would also provide coverage for your vehicle if another at-fault party has no insurance or if you are involved in a hit and run. If you have a loan on your vehicle, your lender will likely require you to carry both comprehensive and collision coverage to protect their interest in the vehicle.
Of course, there are other coverages available, such as Rental Reimbursement, Roadside Assistance, $0 Glass Deductibles, etc.
To learn more about the options and create an auto insurance policy that fits your needs, enlist the help of one of our experienced agents. Brittany, Abbi and April are happy to give you a no-pressure quote or review your current coverages.
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