Car insurance physically and financially protects drivers in the event of accidents, theft, or other auto-related incidents like a flood or a fire. Auto insurance is one of the most used types of personal insurance and can be divided into three main coverage areas: liability, medical and property damage. Liability coverage pays for injuries you cause to others in an accident, while property damage coverage covers the cost of repairs or replacement others property if you're at fault. Uninsured and underinsured coverage is what covers you and could be used to cover property damage to your vehicle or your medical bills depending on the situation. In the event of an auto accident, the insurance company may cover your losses, though the amount of coverage is limited by the specifics of your policy.
Important Things To Know About Car/Auto Insurance:
● Almost all U.S. states require drivers to have car insurance (New Hampshire is the only state without mandatory car insurance)
● By adding Medical Payments Coverage to your policy, you get funds that go towards medical bills regardless of if you are at fault or not. This could be pain meds or a chiropractor visit.
● Car maintenance, wear and tear, and frequent drivers that aren’t listed in your policy are all not protected by standard car insurance policies.
How To Get Started With Car Insurance
Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance…
Disclaimer: Coverage will vary on state, insurance company, and type of policy.
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