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March 18, 2013

Common Types of Personal Auto Insurance

Raleigh Auto InsuranceThere are many types of auto insurance policies out there and when the time comes to choose a policy, it can seem quite confusing.  It is far too easy to simply settle for a policy that seems like it will work because it meets minimum coverage requirements of the state, instead of finding a policy that is best for their financial security.

The state minimum insurance requirements are often times too low to actually cover an auto accident. Having a policy with only the minimum requirements will possibly leave your family’s future in a very dangerous proposition. Instead of rushing through the process of signing a new auto insurance policy, take a look at this guide. This guide will explain some common personal auto insurance coverage types so you can decide for yourself which are most important to your family.

Collision Insurance will protect you if you hit another vehicle or if another vehicle hits you.

Comprehensive Insurance covers your vehicle from damage that doesn’t involve driving such as theft, flood, fire and vandalism.

Bodily injury liability Insurance protects against medical expenses and personal claims that could result from an at-fault car accident where people are injured within or outside your vehicle. Bodily Injury Liability has two different limits—one for single-person injuries and one for multiple person injuries.

Personal injury protection (PIP) will pay for your medical expenses if you are in an accident, no matter who is at fault.

Medical payments Coverage will pay for your medical expenses if you are in an accident and are injured.

Uninsured (or under-insured) motorist Insurance is a necessity today because many drivers still do not have an insurance policy. Most states require this coverage, but even so, not every driver has it. Uninsured or under-insured motorist coverage protects you in place of the other driver’s missing (or inadequate) policy.

Property damage liability Insurance will protect you if you are at-fault in an accident and cause damage to someone else’s personal property (this includes their car, residence or other property). Property damage liability can pay off claims in the event of this kind of accident.

If you are searching for a Raleigh auto insurance policy, take some time and think through the different types of auto insurance that are available. Be sure to consider the types of risk you and your automobile are exposed to each day and then, instead of buying insurance because your state says you must, buy insurance that will actually protect you from those risks. That is the only way to ensure that you have the coverage you need to protect you, your vehicle, and your family.  Give ACF Insurance Services a call at 919-878-7786 and a trusted agent can help you find the Raleigh auto insurance that fits your needs and budget. 

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