If you are on the market for auto insurance, you must understand the different policies. Auto insurance helps protect you and your passengers in case you get into an accident. Auto insurance is a legal state requirement, and it’s important to get the right one to save you from financial devastation from damages, injuries, and medical expenses. Wine Valley Insurance Services, Inc. provides auto insurance services to residents of Napa, CA.
Types of Car Insurance
Personal Injury Protection
This insurance may cover some medical expenses and income loss following a covered accident. Personal injury protection policies have limits, depending on which it covers a large percentage of expenses stemming from a covered accident to up to 80%.
Liability Insurance
Liability coverage is a legal requirement in most states, and drivers must buy at least the least amount of liability coverage as per the law. Liability coverage provides property damage and bodily injury liability in case of an accident.
Collision Coverage
Collision coverage comes in when accidents involve a vehicle collision with another vehicle or with things like fences. This coverage helps cater for repair costs and replacements to the car’s actual cash value minus deductibles.
Comprehensive Insurance
This coverage is helpful for when your car is damaged in a covered peril such as vandalism, theft, hail, or fires. Comprehensive insurance helps with repair costs and the replacement of cars where needed. It pays for car damages due to vandalism, accidents with animals, and certain weather events.
Uninsured/Underinsured motorist coverage
Accidents are unexpected, and you could get hit by a driver with no insurance or one who’s underinsured. In such cases, your auto insurance helps cater for medical expenses and car repairs in some states.
No matter how careful a driver you are, accidents happen, and when they do, they cause a lot of financial and emotional stress. Having the right auto insurance helps protect drivers on the road. If you are shopping for a car insurance policy in Napa, CA, contact Wine Valley Insurance Services.
