Basic Insurance Coverage
Every car insurance policy includes a basic liability portion. If you cause an accident, your liability coverage will pay for the repairs to the other car and medical payments for the driver and passengers, if needed. Your state will require proof of this basic liability insurance coverage before they issue or renew your license and registration.
Collision and comprehensive coverage is also included in your auto policy. Collision coverage pays for repairs to your vehicle if you collide with another car or stationary object. Comprehensive coverage applies if someone burglarizes your car or if a windstorm drops a tree branch on your windshield. The cost of collision and comprehensive coverage depends on the value of your vehicle, as the policy will not pay for repairs beyond the value of the car.
Additional Coverage Options
Your insurance policy may include additional coverage options, such as rental coverage, medical payments, and roadside assistance. If you only have one car without easy access to borrow a vehicle, rental coverage is an excellent addition to your policy. If your car is undergoing repairs as the result of a covered incident, your car rental coverage will provide you with a rental car during that time.
Medical payments are an important addition to your policy if you don’t have health insurance coverage. If something happens to you and you need medical attention, the medical payment coverage will help pay for medical bills, such as hospital bills and doctor’s bills. Finally, roadside assistance can help you if you’re stranded for whatever reason. You may run out of gas, blow a tire, or find that the car won’t start in the parking lot of the grocery store. Roadside assistance will also cover the cost of a tow truck to a nearby mechanic.
Balancing Cost & Coverage
We understand there’s a balance between cost and coverage options. You may want all the insurance coverage available, but you also want to keep the premiums reasonable. Our staff at Legacy Insurance can help you find the most comprehensive coverage options for the best price by working with multiple insurance carriers to get quotes for your situation.