Auto Insurance



What is Auto Insurance?

Auto insurance provides:

  • Property coverage - pays for damage to or theft of your car.

  • Liability coverage - pays for your legal responsibility to others for bodily injury or property damage.

  • Medical coverage - pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Why do you need auto insurance?

It's really all about protecting yourself financially:

  • If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.

  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.

  • If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.

  • Not only is having insurance a prudent financial decision, but many states also require you to have at least some coverage.

Questions to ask your agent

Your Independent Agent is an advocate for finding auto insurance that meets your specific needs.


Here are a few things to consider as you prepare for the discussion:

  • How much can you afford to pay if you get in an accident?

  • What is the insurance company's level of service and ability to pay claims?

  • What discounts are available?

  • What's the procedure for filing and settling a claim?

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