A personal auto insurance policy is intended to provide coverage in three general areas:
- Liability, which is injury or damage to another person and/or their property
- Injury to an owner/occupant of your vehicle
- Physical damage to your vehicle
What does liability auto insurance cover?
Liability is typically required by law and can be purchased in varying increments. Although liability coverage will pay damages to a third party, it also provides valuable protection to you and your assets. How? It provides an extra level of defense for you and helps you negotiate terms of a settlement.
Do I need roadside assistance?
Roadside assistance is a great service to give you with peace of mind. This additional coverage can come in handy and provide you with assistance in many situations including towing, battery jump-start, and flat-tire repair.
When renting a car, should I purchase insurance?
We recommend you purchase auto coverage through the rental car company due to possible gaps in coverage.
What if someone is injured?
Medical payments are the part of the policy that provide a nominal amount to cover injury to an owner or occupant of a vehicle.
The term "full coverage" is often used to describe the coverage that can be purchased to protect a vehicle (note: this is often required by the lender if there is a loan on the vehicle). Full coverage refers to a policy that contains liability, medical payments, and physical damage coverage.
The physical damage portion is broken down into two parts. Both usually carry a deductible.
- Comprehensive auto insurance: This coverage does not include collision. Rather, it protects against potential losses such as those resulting from hail, fire, vandalism, or theft.
- Collision insurance: This includes damage caused by your vehicle colliding with another object.