Auto
When buying a car, truck or SUV, choosing the right auto insurance is as important as the make and model of your new vehicle. Auto insurance protects you and your vehicle against accidents, injury, and liability.
Let’s break down the basics of auto insurance. There are several types of emergency roadside coverage for auto insurance: liability, property damage, medical, uninsured/underinsured, collision, comprehensive, rental car, glass, and emergency roadside coverages.
Liability coverage
In most states, you’re legally required to carry some form of liability insurance, which pays for any damage you cause to someone else while driving. Whether you lease or own your vehicle, states require you to have a minimum amount of liability coverage (and you’ll likely want more). If you’re at fault in an accident, that policy should pay for losses and damages, such as injury to another person, damage to another vehicle, or property damage.
Property coverage
Property coverage pays for physical damage to others property.
Medical coverage
Medical coverage pays for the cost of treating injuries, rehabilitation, and sometimes lost wages and funeral expenses.
Uninsured/underinsured bodily injury coverage
Uninsured/underinsured bodily injury coverage protects you from uninsured/underinsured drivers.
Collision coverage
Collision insurance protects your vehicle. If you’re involved in an accident or hit an object, such as a mailbox or a light pole, your collision insurance should pay for damage to your car, potentially saving you significant out-of-pocket expense. It can also pay for replacement costs to any property.
Comprehensive coverage
Comprehensive coverage will safeguard your vehicle and possessions against theft, vandalism, fire, weather, and encounters with animals, including deer.
Optional coverages
Other insurance add-ons can address specific needs. For instance, if your car is in the shop for repairs from a covered claim and you need a temporary vehicle, rental replacement insurance will cover some costs associated with a rental vehicle. Do you want vehicle windshield protection at a lower deductible? We can do that. Your car won’t start, and you need a tow? Emergency roadside service coverage can help.
Ready to learn more about car insurance and what best fits your needs? Contact Waterton Insurance for more information and a quote.