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Personal auto insurance
Personal auto insurance provides financial protection for you and your vehicle in case of accidents, theft, or other unexpected events. It helps cover costs related to property damage, bodily injury, and liability claims.
Key Coverages in Personal Auto Insurance
Liability Coverage (Usually Required by Law)
Bodily Injury Liability:
Pays for injuries to others if you’re at fault in an accident.
Property Damage Liability:
Covers damage to another person’s property (e.g., their car, fence).
Collision Coverage
Purpose:
Pays for damage to your car caused by a collision with another vehicle or object, regardless of fault.
Comprehensive Coverage
Purpose:
Covers non-collision-related damage such as theft, fire, vandalism, hail, or hitting an animal.
Uninsured/Underinsured Motorist Coverage
Purpose:
Protects you if you’re hit by a driver with no insurance or insufficient coverage.
Medical Payments (MedPay) or Personal Injury Protection (PIP)
Purpose:
Covers medical expenses for you and your passengers after an accident, regardless of fault.
PIP:
May also include lost wages and other related costs (required in some states).
Gap Insurance
Purpose:
Pays the difference between your car’s actual cash value and the amount you owe on a loan or lease if the car is totaled.
Rental Reimbursement
Purpose:
Covers the cost of a rental car while your vehicle is being repaired after a covered loss.
Roadside Assistance
Purpose:
Provides help for towing, battery jump-starts, flat tires, and lockouts.
Optional Add-Ons
- Custom Equipment Coverage: Protects aftermarket parts or modifications.
- Glass Coverage: Covers windshield or window repairs without deductible.
