Owning a car comes with so many responsibilities. Our experts can help you find the right coverage for any situation. You can look through our online resources or talk with an agent directly to see all of your options and what they mean. You can get started right now. Simply read on to see the requirements and some of the most common policy options that keep our policyholders secure.
All states have minimum auto insurance requirements. If you drive a vehicle it needs to be have the following coverage:
Liability. This coverage must provide at least $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $10,000 per accident for property damage.
Personal Injury Protection. The smallest legally acceptable policies include $4,500 per individual for expenses related to medical treatment and care, $900 per month for loss of income up to one year, $25 a day for home care, $2,000 for funeral costs and $4,500 for rehabilitation.
Uninsured. This is protection in the event an uninsured person is at fault for the accident. This must also cover $25,000 per person and $50,000 per accident.
The state minimums are not always the best way to protect yourself. Additional coverage can offer several benefits, mostly providing enough funds to replace or repair your car and keep you on the road. When you look into building your total care package, make sure to investigate or ask about these options:
Comprehensive. This is aimed to make sure you have a car after an accident.
Uninsured. You can up your policy in this area to keep an uninsured motorist from ruining your life.
PIP. Additional personal injury protection can help make ends meet when medical conditions keep you from work.
Let us work with you to find a low-cost policy that provides everything you need.