When shopping for car insurance, you may come across a variety of terms and types of coverage. If you’re not sure what kind of car insurance suits your lifestyle, here is an overview of the five most common types that a car insurance agent in Elgin will likely offer:
Almost every state in the United States requires drivers to get liability insurance. It mainly consists of bodily injury and property damage liability. As the name suggests, bodily injury covers expenses related to an injury to another person in an accident. Similarly, property damage covers loss to another person’s property.
- Under-insured and Uninsured Coverage
These types of car insurance policies will cover you if the driver who caused the accident is not insured. It can also help if the other person is not fully covered and unable to pay you.
Besides covering medical expenses, comprehensive insurance will take care of theft, vandalism, hail, and fire. It’s an optional insurance cover, which may require you to pay a predefined sum from your pocket before the insurance cover takes over.
If you accidentally damage your car while driving, the collision coverage will cover the damage to your vehicle and may replace your vehicle.
The medical payment covers the medical expenses of the car occupants. It may include in-patient services, hospital visits, surgery, X-rays, and other costs.
If you’re looking for a very reputable car insurance agent in Elgin, you can get help from Insured ASAP Insurance Agency by visiting their website today.
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