Now car insurance may seem like just more money taken from your wallet, but it has importance in times of need. Car insurance can help take some of the financial burden off of you if something happens to your car. These are some of the ways that car insurance can help you.
The State Minimum – The least amount of insurance many states require is Liability Coverage. This helps pay part of any damages caused when you are the one at fault for an accident. Similarly, Property Damage Coverage helps pay for any property, such as lights, railings, or signs, that you damage. Failure to have the basic insurance can lead to the revoking of your license or you can be sued for damages.
PIP and Bodily Injury – Personal Injury Protection Insurance and Bodily Injury Insurance both help pay for medical expenses gotten in an accident. Bodily Injury Insurance is to help pay for the other driver if you are the one at fault and keep the other driver from suing you over the injuries. PIP covers you and your passengers and any medical expenses or loss of wages.
Comprehensive and Collision Coverage – This coverage protects your car from damage caused by you or other drivers or by something like hail or a fallen branch.
Those aren’t the only things car insurance can protect you from. Some car insurance policies and companies can provide you with things like roadside assistance, free tows, theft, and more. Take a good look at your current car insurance if you have it and know what you are and aren’t covered for.
Fault – If you are at no fault for an accident, car insurance policies will help you and your car but the driver at fault can be required to pay your deductible.
These are only some of the most vital reasons why car insurance is important for everybody to have. If you have any questions about these tips or about car insurance in general, contact us!
Rothenberger Insurance Services is a full-service insurance company that specializes in all personal and commercial insurance services. We are located in West Reading and help many individuals and businesses in and around West Lawn, Wyomissing and Reading.
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