AUTO INSURANCE

Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy.   

 Protects you if you cause damage to others and/or their stuff. Liability can help cover another person’s medical bills or costs to repair their vehicle and property damaged from the accident. Most states have legal minimums to how much liability coverage you must have. It’s often a good idea to carry more than what’s required, to decrease your chance of high out-of-pocket costs later.  

 Covers your car if you hit another car, person or non-moving object. Collision coverage helps cover costs to repair your vehicle regardless of fault. Collision does not cover if you hit an animal or if your car breaks down because it’s really old and untrustworthy.