Auto Insurance
Auto insurance provides financial protection against damage or injury resulting from vehicle-related incidents. It’s essential for covering liabilities and costs associated with owning and operating a vehicle.
Key Coverages:
- Liability Coverage: This is the most basic type of auto insurance, covering bodily injury and property damage you cause to others in an accident. It’s usually required by law.
- Bodily Injury Liability: Pays for medical expenses, lost wages, and pain and suffering for others injured in an accident you caused.
- Property Damage Liability: Covers the cost to repair or replace another person’s property that you damaged in an accident.
- Collision Coverage: Pays for damage to your own vehicle resulting from a collision, regardless of who is at fault.
- Comprehensive Coverage: Covers damage to your vehicle from non-collision incidents such as theft, vandalism, natural disasters, and animal collisions.
- Uninsured/Underinsured Motorist Coverage: Provides protection if you’re involved in an accident with a driver who has insufficient or no insurance.
- Medical Payments Coverage: Covers medical expenses for you and your passengers after an accident, regardless of fault.
Additional Options:
- Rental Reimbursement: Covers the cost of renting a vehicle while yours is being repaired.
- Roadside Assistance: Provides help with breakdowns, flat tires, and other emergencies.