Here’s what you need to know about securing car insurance for the first time.
When it comes time to secure your first auto insurance, you may be tempted to ask your agent for the cheapest policy out there. However, now is not the time to skimp on coverage. Here are some of the recommended coverages that all drivers are encouraged to carry.
Bodily Injury Liability
This insurance will offer financial coverage for the third-party injuries you may accidentally cause while behind the wheel. Bodily injury liability will also offer coverage in the event that the injured party sues you for damages.
Property Damage Liability
This insurance will offer coverage for the damages you may accidentally cause while behind the wheel. Property damage liability will also offer coverage if the affected party decides to sue.
Collision
This type of insurance will offer coverage for the damages your car may sustain during a collision event.
Comprehensive
This type of insurance will offer coverage for the damage your car may sustain outside of a collision event. For instance, comprehensive insurance will offer coverage for the damages stemming from theft, vandalism, fire, flooding, and other extreme weather events.
Personal Injury Protection
This type of insurance will offer coverage for the medical treatment that you and your passengers might require after an auto accident. This type of insurance is considered “no fault,” meaning you can access coverage no matter who is responsible for the accident.
Uninsured/Underinsured Motorist
This type of insurance will offer coverage in the event that you get into an accident with a driver who is not carrying adequate coverage to pay you the reparations you are entitled to.
These are the basic auto insurance coverages that all drivers are encouraged to carry. Do you need help securing the right auto insurance to meet your needs? If so, contact the experts at ISU-Wissink Insurance. Our experts are ready to assist you with all your coverage needs today.