Explaining Auto Insurance
Auto Insurance is a policy that helps protect you financially if you're involved in a car accident or your vehicle is damaged, stolen, or causes damage to someone else or their property.
Here’s how it works:
Liability Coverage – This is required by law in most states. It pays for damage or injuries you cause to others if you’re at fault in an accident.
Collision Coverage – This helps pay to repair or replace your car if it’s damaged in an accident, no matter who’s at fault.
Comprehensive Coverage – Covers things like theft, vandalism, hail, or hitting an animal—basically, damage not caused by a collision.
Uninsured/Underinsured Motorist Coverage – If you're hit by someone who doesn’t have insurance (or not enough), this helps cover your costs.
Medical Payments or Personal Injury Protection (PIP) – Helps cover medical bills for you and your passengers, no matter who’s at fault.
You pay a monthly or bi-annual premium for the coverage, and if you have a claim, you may have a deductible, which is the amount you pay out-of-pocket before your insurance covers the rest.
Typically auto insurance discounts are given for being a good driver, good payer, and/or bundling multiple insurance needs.
Let us know if you’d like help choosing the right coverage for your needs or budget!
