Car insurance is something everyone who owns or operates a vehicle needs. Not only does it protect you, but it protects your car. Regardless of what the incident is, auto insurance ensures you are protected.
However, shopping around and finding the right insurance isn’t always easy. There are many factors to consider.
One of these is what kind of insurance to get. There are different levels of auto insurance, so it can be hard trying to decide which one is best for you.
With our team at All Risk Insurance Group, you have many competitive options to choose from, but first, let us fill you in on what full coverage car insurance entails.
Bodily Injury Liability
Sometimes we get into accidents where it’s our fault. No one is perfect, and no matter how great of drivers we think we are, mistakes happen. During a minor accident, such as a fender bender, the drivers and passengers in each car are usually safe. But, in the more severe accidents, injuries sometimes happen.
When you cause an accident and injure someone else, the bodily injury liability coverage can pay for the victim’s injuries. Without this coverage, you are held responsible for the injuries, which can get rather expensive.
Property Damage Liability
Sometimes when we get into car accidents, we don’t hit other cars, but instead objects. From mailboxes to street signs, many of us have been there. But, whatever we damage, we have to pay for.
Property damage isn’t cheap either.
That’s why it’s good to have full coverage car insurance. This type of auto insurance includes property damage liability coverage.
With this included in your coverage, your insurance company helps pay for the property damage.
Personal Injury Protection
On the other hand, sometimes we are the victims of a car accident. When this happens, sometimes we walk away unscathed, but other times we suffer from injuries.
In the case of an injury, you might have tons of medical bills and have to take off work. But, all of this doesn’t need to fall on your shoulders when you have personal injury protection.
You and your passengers can have medical costs covered by the auto insurance company which can help lift some of those financial burdens.
Uninsured/Underinsured Motorist Coverage
Every driver on the road should have some form of auto insurance. They don’t need to have full coverage insurance, but they need to have some type of coverage.
However, this isn’t always the case, and everyone doesn’t carry legitimate auto insurance.
When you get into a car accident with an uninsured or underinsured motorist, the damages and expenses can fall on your shoulders. With the other driver being uninsured, there’s no way they can help you pay for damages or injuries unless. At best, uninsured/underinsured motorist coverages adds an additional layer of protection for you and your family.
Have you ever left to run errands and come back to see your car has damage on it? Whether someone else hit it while you were gone or a natural disaster caused damage, comprehensive coverage is here for you.
This type of auto insurance coverage ensures your car gets protected from damage incurred when you are not behind the wheel. That way, you never have to worry about paying out of pocket for damages out of your control.
Getting into a car accident is always stressful. However, it’s slightly less stressful when you know you have collision coverage from your insurance company. Collision coverage covers damages to your vehicle after a car accident, and it doesn’t matter who was at fault.
Whatever happened and whatever the car damage is, collision coverage helps you pay for it.
We Can Help You Decide!
Whether you haven’t had car insurance before or are looking to change insurers, All Risk Insurance Group has you covered.
Auto insurance is vital for everyone to have. From protecting your car to protecting you and your passengers, it’s always better to have peace of mind.
Learn more about how we can help you find auto insurance that’s right for you. Or, give our team a call today at (561) 395-5220.
Not looking for auto insurance right now? Our team can also help you find personal insurance, home insurance, and commercial insurance.