A Quick Guide: Car Insurance

 2/17/2020 |   Views: 240 |   Reading Time: 2 Minutes, 16 Seconds

A Quick Guide: Car Insurance

Where will the road take you? From the sandy coasts to the majestic mountains, there are countless American adventures to experience. Before your road trip and before you even take a 2-minute drive to your local gas station, you should understand the kind of coverage that is available for your car. Having auto insurance feels like a protective blanket; it is peace of mind to know you are covered.

Perhaps you are buying a new car, or maybe you want to understand your options for your current car. Whatever the reason for looking, you'll need to understand the common types of coverage available. Some factors to weigh are the amount of protection you want and need.

Your insurance agents at Central Insurance Agency are industry experts and we are happy to help you navigate the current Indiana state requirements and your personal needs.  Here is a quick guide to help you understand some of your options.

Liability Coverage

Important: Auto liability coverage is required in Indiana. Drivers should take this seriously because there are legal consequences when you are caught without the minimum coverage. When you are at fault in an accident, auto liability insurance coverage covers the costs of the other driver’s property and injuries.

Comprehensive Coverage

Simply put, comprehensive coverage protects more than liability. It entails complete coverage when your car is damaged from events like hail, fire, or vandalism. It is important to note that this coverage usually has a deductible.

Uninsured & Underinsured Coverage

What happens when you are hit by a driver that doesn’t have insurance? Uninsured motorist coverage will pay for your medical bills and your car. If you are hit by a driver that is underinsured, meaning their policy won’t cover all your bills, underinsured coverage can help fill in the financial gaps.

Medical Coverage:

If you are injured in a car accident, you are looking at hefty medical bills. Medical coverage can help cover the cost of things like Emergency Room visits, medicine, surgery, and follow-up care.  It can also cover your passengers.

At Central Insurance Agency, we understand the impact a car accident can have on your life. It’s our honor to be in your corner during difficult times. We can help you understand what types of coverage are available to you and work within your means to build a policy just for you. For more information, fill out our contact form here. You can also call our Portage office at: 219-763-6145 or our Valparaiso office at: 219-464-4467.

 


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