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| Insurance for automobiles |
Driving has a certain amount of risk. If you experience an accident while driving, auto insurance can help protect you and others. With an auto insurance policy, you can choose from a variety of coverage options, including:
If you're at fault (liable) for an accident, liability coverage, also known as Bodily Injury and Property Damage (BI/PD), protects you against any injuries to others as well as damage to other people's property.
Medical Payments coverage, or Medpay, can assist pay for injuries sustained by drivers or passengers, regardless of responsibility. It's typically a cost-effective way to complement your medical coverage.
Collision coverage covers any damage to your car as a result of an accident.
Wind, hail, theft, vandalism, and other perils are all covered under comprehensive coverage. Comprehensive coverage, in essence, protects your car from any damage that isn't caused by an accident.
Uninsured motorist coverage, commonly known as UM/UIM coverage, compensates for your injuries if the person who caused the accident does not have insurance or does not have enough insurance to cover your costs.
Who Needs Auto Insurance in the First Place?
Anyone who operates a motor vehicle is required to carry liability insurance at the very least. This ensures that drivers have sufficient funds to cover the consequences of any accidents they may cause. Other types of auto insurance, such as those that protect your personal belongings, are sometimes optional.
Is it Expensive to Insure a Car?
When it comes to deciding the cost of auto insurance, many factors come into play: where you reside, your driving record, your age and marital status, the sort of car you drive, whether you own a home, and even your credit score can all affect how much you pay. The easiest approach to find out what your premium will be is to request quotes from many of the top insurance providers from a licensed agent in our office.
