Auto Insurance

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Automobile Insurance

Protecting yourself, your loved ones, your vehicle and even your finances is what automobile insurance is all about, and at McCarty Insurance Agency, we can help you find just the right types of coverage for your needs.

Although most people commonly think of collision coverage when they think of auto insurance, in fact, that’s just one part of what an auto insurance policy covers. Auto insurance comprises multiple types of coverage to help ensure you stay protected no matter what.

Medical coverage
Medical coverage pays for the costs of accident-related medical care for you and your passengers, including ambulance transportation, physician visits, x-rays and other treatments.

Uninsured and underinsured motorist
Not everyone is diligent when it comes to making sure they have adequate insurance coverage. Uninsured and underinsured coverage ensures your accident-related costs will be covered even when the at-fault driver doesn’t have insurance or has inadequate insurance.

Liability
Liability coverage pays for the costs of medical care and property damage that occurs when you’re at fault in an accident. Although the state requires a specific amount of minimum coverage to be able to legally operate your vehicle, many people opt for additional coverage to provide an added layer of financial protection.

Comprehensive
Not all damage occurs as the result of a collision; vandalism, theft, fire and other events can cause damage too. Comprehensive covers the cost of damage that’s not collision-related.

There are additional options too, including towing and labor to transport your vehicle to a repair facility after an accident, and rental car reimbursement to pay for the costs of a rental while your vehicle is being repaired due to a loss covered by your insurance.

And the decisions don’t stop there. You’ll also need to decide what coverage limits and deductibles you want on your policy.

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