If you’re currently in the process of insuring a brand new vehicle, it may be time you started to learn more about the various forms of auto insurance coverage. Browse the following section, and you might feel a bit more confident the next time you stroll into your local insurance agency.
Bodily Injury Liability
In the unfortunate event that you harm someone while operating your vehicle, this form of coverage will keep you financially protected.
Property Damage Liability
If you damage another individual’s property, including their vehicle, property damage liability will cover all expenses.
Uninsured or Underinsured Motorist Coverage
This particular form of coverage will help pay for the injuries or damage caused by an uninsured or underinsured driver. In some states, you’ll also be protected against hit-and-run drivers.
If you’re involved in a car accident, medical coverage will pay for the medical bills accrued by the driver and their passengers.
If you’re hit by another vehicle, this form of coverage will take care of most of the resultant expenses. The driver, however, is generally responsible to pay a deductible.
With comprehensive coverage, it’s really all in the name. This expansive form of coverage protects you against all losses, minus your deductible, resulting from any non-collision incidents. For instance, you’ll have little to worry about if your car is stolen or vandalized.
Rental Reimbursement covers the cost of a rental vehicle when your standard vehicle is out of commission. Keep in mind; these policies only apply to damages covered by the aforementioned comprehensive insurance packages.
Luckily, car owners no longer have to make these decisions on their own. With the assistance of Brad Sizemore Insurance, residents of Wilmington, NC are granted an invaluable ally in tracking down the proper auto insurance coverage!