Levels of coverage vary from person to person and your agent will help you determine the appropriate level of coverage and deductibles. Policies generally include:
- Liability: If you’re at fault, then your liability will pay for the damages suffered by other parties.
- Collision: If you hit another vehicle or object, collision will pay for damages and repairs to your vehicle.
- Comprehensive: If your vehicle is damaged while parked, a tree falls on your car, or a deer hits you, then comprehensive covers you.
- Medical expenses: If you or a family member is injured as a result of an accident or while riding in someone else’s car, this coverage will pay for associated medical expenses.
- Uninsured/underinsured motorist: Unfortunately, there are many drivers who carry only minimal insurance. This coverage pays for injuries and property damage when the at-fault driver can’t cover the costs.
- Optional roadside assistance: This optional coverage keeps you rolling on all four tires, ensures your batteries hum, and, if needed, provides towing services.
- Optional rental reimbursement: If your car is in the shop for several days and you can’t get by without wheels, rental reimbursement keeps you moving for a very nominal premium.
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