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September 18, 2020
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What Auto Insurance Coverages Do I Need?

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To best determine which insurance coverages are right for you, it is important to understand what protections they offer. Collision coverage covers the cost of damage to your personal vehicle in the event of an accident. Collision coverage is important for individuals with newer vehicles that hold a high value. Comprehensive coverage covers damages to your vehicle that are not due to collision. For example, comprehensive coverage offers protection in the event of a fire or theft. Liability for bodily injury coverage offers protection if you injure someone during an accident. This coverage is important if your personal assets are of high value. Liability for property damage coverages cover the cost of repair for another vehicle in the event of an at-fault accident. The amount that you would have to pay varies based on the value of the other driver’s vehicle. For example, if their vehicle is worth $50,000 it may cost more to repair than a vehicle worth $5,000. Medical expense coverage handles the cost of medical care for you and your passengers in the event of an accident. Finally, uninsured/underinsured motorist coverage covers you in the event of a not at fault accident with a driver that does not have insurance or does not have enough coverage to cover the amount of damage. Be sure to talk to an agent today to determine which auto coverages are best for you.


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