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It will happen someday. You'll be part of a fender-bender, have hail damage, end up with a cracked windshield, or be one of the auto theft statistics.
When one of these, or dozens of other possibilities happen, you want to know that you are covered, that someone is there to help you, that someone can clearly explain the next steps.
So what kind of automobile coverages are there? And why do you need them? Well let us clearly and simply explain...
- Liability Coverage - if you cause an accident this pays for the damages, up to your policy limits, of course.
- Medical Payments Coverage - depending on the state you live in, this might be part of your standard policy, or may be added on. This pays for reasonable medical and funeral expenses for anyone injured in your vehicle - for up to 3 years after the accident.
- Uninsured Motorist Coverage - depending on the state you live in, this may be a required part of your standard policy, or can be added on. If you're in an accident with someone who does not have enough, or any, insurance, this will protect you up to your policy limits.
- Collision Coverage - if your car rolls over, is hit by another car, or hits another car or object, this protects you.
- Other Than Collision - if your vehicle is damaged by windstorms, earthquakes, or hail, theft, vandalism or fire, or even animals and birds - this protects you.
- Towing and Labor Coverage - this pays for the expense (but unfortunately does little about the inconvenience) each time you need to have your vehicle towed.
We know - this is a lot of information to take in. And it's a lot of decisions to be made. But you do not have to do it alone. We are here to walk you through all of the options, information and decisions. So give us a call to set up an appointment.
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