Vehicle damage is a fact of life. Trees fall on them, rocks crack their windshields and even the most careful driver is involved in traffic accidents from time to time.
Insurance Warehouse in Monticello, Georgia, your local insurance agent, not only insures damage to your vehicle and passengers, but the damage you may do to other vehicles, property or individual(s).
Typically two components:
Mandatory in most states. Drivers are legally required to purchase at least the minimum amount of liability coverage set by state law.
Comprehensive may help cover damage to your car from things like theft, fire, hail or vandalism. If your car is damaged by a covered peril, comprehensive coverage may help pay to repair or replace your vehicle (up to the vehicle’s actual cash value).
Typically an optional, but your lender may require it if you’re leasing or paying off your vehicle.
May help pay for your medical bills or, in some states, repairs to your vehicle if you’re hit by a driver who doesn’t have insurance. Underinsured coverage may help if you’re hit by an underinsured driver, who has car insurance but their liability limits aren’t enough to cover your resulting medical bills.
Required in some states and optional in other states.
If you’re involved in an accident with another vehicle, or if you hit an object such as a fence, collision coverage may help pay to repair or replace your car (up to its actual cash value and minus your deductible).
Typically optional, but it may be required by your vehicle’s leaseholder or lender.
May help pay for costs associated with injuries if you, your passengers or family members who are driving the insured vehicle are injured in an accident. Covered costs may include hospital visits, surgery, X-rays and more.
Required in some states and optional in others.
Like medical payments coverage, PIP may help pay for your medical expenses after an accident. In addition, it may also help cover other expenses incurred because of your injuries, like child care expenses or lost income.
Required in some states and optional in other states where it’s available.
Other optional coverages are available from Insurance Warehouse. Brad Barringer can explain all your options and put together a policy that’s tailored to you.