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Why Do I Need Auto Insurance?

Auto insurance protects you financially if involved in an accident, typically covering damages and injuries for you, and in some cases, others. Most states require a minimum amount of coverage to stay legal, but you may opt for additional coverage.

What Else Should I Know About Auto Insurance?

Policies vary from person to person depending on vehicle age, whether the vehicle is paid for in full or not, personal preference, the primary driver of the vehicle, where and how often the vehicle is driven or stored, and the state’s requirements. Our expert team will carefully review all the above factors and help you develop an insurance plan with the appropriate carrier to help you meet your needs with the best possible coverage and the lowest price.

Here’s a quick overview of 10 types of coverages within various auto insurance policies:

Bodily Injury Liability: This pays the medical and other expenses of those people injured, or even killed, in accidents you cause.

Property Damage Liability: This covers the damage your car causes to property. Usually, that’s the other car — or cars — involved in the accident, but it also covers damage you do to any object you hit. Examples include garages, buildings, lamp posts, fences, etc.

Collision: This is for damage done to your car when it collides with other vehicles or other objects.

Comprehensive: This covers damage to your car that results from something other than a collision with another vehicle. For example, hitting an alligator or a rock hitting the windshield of your car. It also includes coverage for theft.

Medical Payments: It pays medical, and even funeral expenses, for you and members of your family and passengers in your car if it is involved in a collision, regardless of who caused the accident. It also covers you as a pedestrian if you are hit by a vehicle.

Uninsured Motorist Coverage: This pays for injuries if you’re hit by a driver who doesn’t have insurance. No matter the state you live in, there are several uninsured motorists who drive without insurance.

Personal Injury Protection: This is also known as “P.I.P.” or “No Fault” insurance. This is mandatory in some states, such as Florida, and allows for you to collect lost wage and medical & funeral benefits up to a maximum of $10,000 per family member or other passengers, regardless of fault.

Additional Equipment: Should you add additional equipment to your car after it has left the factory — such as a booming car stereo system or big rims on your truck — it needs to be added to the additional equipment of your policy. If it is not added, you will NOT have coverage for those items added to your vehicle.

Rental Car Reimbursement: This reimburses you for rental car usage when your car has been damaged in an accident.

Towing: This reimburses you for towing charges when your car breaks down.

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