AUTO INSURANCE
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Get the most from your insurance dollars compare and save. An auto insurance policy can include several types of coverages, finding the right car insurance coverage can take on many factors, it’s your first line of defense if you’re involved in a auto accident. Automobile insurance will repair your vehicle if it damaged in a crash, natural disaster, like storm damage, flooding , hail damage , and there are many other benefits for have coverage, beside it's being a law. Select from the many chocies available below, quote and buy now (e-sign and print ID cards) Apply online and submit your information and one of our service representitive will call you with multiples auto insurance quote option. Get the most from your insurance dollars.
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Insurance is your best defence against an unexpective event, auto insurance is the law of the land in many states and the laws are different in each states in some ways. your policy can include several types of state statutory coverage limits, you have the option to make changes.
Liability insurance pays for others’ damage and injuries when you cause an accident. Most states require you to carry at least a minimum level of bodily injury and property damage liability coverage.
The coverage limits are expressed as three numbers. Limits of 30/60/25, for example, would provide up to $30,000 per person injured in an accident, up to $60,000 of coverage for injuries per accident and $25,000 for property damage per accident. Remember, liability insurance pays out to other people; it does not cover you, your passengers or your car.
Personal injury protection (PIP) or medical payments (MedPay) coverage pays the medical bills for you and your passengers after a car accident, regardless of who caused the crash. PIP also covers lost wages and funeral costs. Some states require you to buy PIP or MedPay.
Uninsured motorist (UM) and underinsured motorist (UIM) comes to the rescue if you’re hit by a driver who has no insurance or not enough coverage. UM pays your medical bills if you’re injured in an accident caused by an uninsured driver. UIM kicks in if your medical expenses exceed the other driver’s liability coverage limits. UM and UIM are required in some states.
Uninsured motorist property damage (UMPD) covers your car if an uninsured driver hits you, but the coverage isn’t available in every state. Roughly one in eight drivers is uninsured, according to a 2014 Insurance Research Council report.
Collision coverage pays to repair your own vehicle after a crash. It’s an optional form of coverage, although your car-loan lender might require you to have it. Collision will kick in if you hit a tree, for example. Or, if an uninsured driver hits you and you don’t have UMPD, you could make a collision claim for your car’s repairs. Any collision payment will be reduced by the amount of your collision deductible.
Comprehensive coverage has a misleading name because it applies only to certain circumstances. It pays out if your car is stolen (and not recovered) or damaged by a natural disaster, if you hit an animal or if your car is vandalized. . Like collision, comprehensive is optional, but your lender might require it. Here too, a comprehensive claim payment will be reduced by the amount of your deductible.
Roadside assistance and other extras can come in handy when the unexpective happen. Roadside assistance covers towing and emergency roadside service when your car breaks down. Rental reimbursement pays for a rental car while your automobile is in the shop being repaired from a covered accident.