Find Out What’s Covered by Your Auto Insurance Company
Knowing what is covered by your auto insurance policies is important. You don’t want to wait until you’re involved in an accident to find out what coverage you have! If you’re not sure what coverage you have or need, take a look at the following options and then get in touch with your provider to make sure that your policy gives you adequate coverage.
Bodily Injury Liability covers costs of injuries that you may cause to someone else, such as another driver, cyclist or pedestrian.
Personal Injury Protection covers costs of injuries sustained by yourself and passengers in your car in an accident.
Property Damage Liability covers costs of damage that you do to other people’s or state property, such as other cars, buildings, signposts and other pieces of property.
Collision Coverage covers costs of repairing your vehicle in case of a collision with another vehicle or structure. There is usually a deductible amount set in the policy as well as a premium. If you wish to keep your premium lower, you may want to set a high deductible.
Comprehensive Coverage covers costs in case of theft or damage that occurs to your car from issues other than collisions, such as hail, vandalism, hitting an animal, fire and other incidents. There is typically also a deductible set in this type of coverage.
Uninsured or Underinsured Motorist Coverage covers costs in case you are hit by a driver who is uninsured or underinsured, and cannot cover the costs of damage repair or injuries, or if you are hit by a hit-and-run driver. It can also cover you as a pedestrian.
Knowing what insurance you want and what your auto insurance policies cover is important for peace of mind. If you have any questions about your coverage, contact us for more information!