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The Importance of having the right coverage
Auto Insurance
Everyone who owns a car should purchase auto insurance so they are covered for property damage, medical bills, and legal costs. Most states require the owner of a vehicle to purchase insurance or provide proof of financial responsibility.
LIABILITY
Liability: Pays for injuries to others and damage to their property if you
cause an accident
COLLISION
Collision coverage pays for damage to to your car resulting from an accident. This coverage pays for repairs to your car if you get into an accident and the accident is your fault.
COMPREHENSIVE
PERSONAL INJURY
Comprehensive: Pays for the theft of your car or damage to your ca caused by something other than an accident
PERSONAL INJURY
PROPERTY DAMAGE
PERSONAL INJURY
PIP offers vital protection from costly medical expenses after an accident. Because it's such an important coverage, check the specifics of your health insurance plan and work-loss coverage, if you have these, to determine how much PIP coverage to add to your car insurance policy. Check to see how your health plan, in particular, handles expenses after a car accident.
PROPERTY DAMAGE
PROPERTY DAMAGE
PROPERTY DAMAGE
It helps pay to repair damage you cause to another person's vehicle or property.
UN/UNDER INSURED
PROPERTY DAMAGE
PROPERTY DAMAGE
Uninsured and underinsured motorist Pays for damages resulting from an accident caused by an uninsured, underinsured or hit-and-run driver(takes the place of liability insurance that the other driver should have purchased but didn’t)
Importance of having enough Liability Coverage
Should You Buy More Liability Coverage?
Accidents happen every day – even to good drivers. If you do not have enough liability coverage, and you are found at fault for an accident, you would be responsible to pay for anything your insurance does not cover. So do consider buying more coverage than the law requires.
If you do not have enough liability coverage at the time of the accident, anything above the limits of your liability coverage of your auto insurance policy will have to come out of Your Pocket.
Medical costs and legal costs are very high and increasing every day. If you could not afford to pay these costs out of pocket, then you should buy more than just the minimum liability coverage limits your state law requires. You should purchase the most coverage you can reasonably afford to protect your financial security.
Umbrella Coverage
You might need umbrella policy if you need to protect you assets By providing liability protection above and beyond the basic coverage that homeowners/renters and auto insurance policies offer,
Umbrella Liability coverage can protect you against the catastrophic losses that can occur if you are sued.