Choosing auto insurance can be very confusing yet vital. You need to ensure you are choosing adequate coverage that will protect you when something happens. As Gill Insurance Agency of Plainfield, IN explains, here is what auto insurance covers.
Bodily Injury Liability
This type of coverage offers you protection when you accidentally hurt someone in an accident. It helps cover their medical expenses, including things like doctor visits, prescriptions, and ambulance rides. In addition, if the injured party decides to sue you for damages, this coverage can help pay those legal fees.
Property Damage Liability
Property damage liability helps cover repairs to a third party’s property if you damage it in an accident. It can be a house, car, fence, mailbox, or store. However, note that repair to your vehicle is not covered in this scenario, and you will need a separate policy for that.
This type of coverage helps cover repairs to your vehicles due to a collision with another car or object. It also helps cover an accident involving your vehicle alone, such as a rollover accident. If your vehicle is too damaged to be repaired, this cover will help replace it.
Comprehensive coverage helps pay to repair or replace your vehicle when exposed to various risks other than collisions. Such risks include fire, damage, vandalism, theft, and falling objects like trees or hail.
Insured/ Underinsured Insurance
You may find yourself in an accident where the negligent driver lacks sufficient insurance or is uninsured. In such cases, this coverage can help pay for medical expenses and repairs to your vehicle, preventing you from a financial loss.
If you own a car in Plainfield, IN, and you need to know of the available coverage at your disposal, feel free to contact Gill Insurance Agency. We have experienced agents ready to answer your questions and help you choose the right policy for your car.