Auto Insurance

What is it, and why do I need it?

Every state in the U.S. mandates that drivers obtain a minimum amount of auto liability insurance coverage. This to protect yourself and other drivers as well.

As a form of property and casualty insurance, auto insurance coverage protects not just your vehicle and other cars, but other kinds of property too, should there be an auto accident or some other kind of event that results in damage and/or injuries.

Auto coverage is designed for all who drive. Keep in mind that, the coverage actually follows the vehicle as opposed to the driver. Should you, for example, borrow someone’s car, it’s the norm for their insurance to be primary coverage for damages caused while you are behind the wheel.

• Liability Coverage – Coverage for bodily injury or property damage to others for which you are held liable (as provided by your policy and state law)
• Comprehensive Coverage – Coverage for damage to your vehicle not caused by collision or upset (subject to deductible). Examples may include theft, vandalism, weather events and contact with animals.
• Collision Coverage – Coverage for damage to your vehicle resulting from a collision with another vehicle or object (subject to deductible).
• Medpay Coverage – Coverage for reasonable medical expenses to you and others in the event of an accident, regardless of who is at fault. In your policy, this may be referred to as medical expenses or medical benefits.