Benefits of Auto Insurance

Automobile insurance provides funds to help you repair or replace your automobile if it is damaged or destroyed by an accident, fire, theft, or other mishap. Auto insurance also provides protection against liability claims resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

Benefits of Auto Insurance

  • Bodily Injury Liability covers legal costs and personal injury claims filed against you should someone be killed or injured in your automobile and you are determined to be “at fault.”
  • Property Damage Liability covers legal costs and damage claims filed against you should an accident involving your automobile result in damage to someone else’s property and you are determined to be “at fault.”
  • Medical Payments Coverage helps pay for medical expenses you incur as a result of an automobile accident. Your Medical Payments coverage protects you even if you are injured in another person’s vehicle.
  • Uninsured or Underinsured Motorist Coverage protects against expenses you incur as a result of an accident that is caused by another individual who is either uninsured, or who has inadequate insurance coverage.
  • Comprehensive Coverage covers loss to an insured vehicle due to fire, theft, or glass breakage.
  • Collision Coverage covers an insured vehicle for damages and expenses in the event you are involved in a collision. Six or twelve-month policy renewal periods.

Features of an Auto Policy

  • Premium discounts for theft devices or for owning more than one policy with the same insurer.
  • The ability to extend coverage to others who are driving your car with your permission.
  • The option to reduce your out of pocket premium by increasing your deductible.
  • Twelve-month policy renewal periods.

Elements to Consider

  • Premiums may increase if you are an inexperienced driver or if you live in a high-risk area.
  • Premiums may increase if you have a poor driving record or a history of accidents.
  • If you lease your vehicle, the lending institution will require you to maintain adequate coverage.

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