Auto Insurance Basics
Auto insurance is meant to provide protection in case of any unfortunate situation on the road. However, it can be difficult to ensure that you invest in the right amount of coverage. With all the different coverage options available, knowing what each option will provide protection for will help to ensure that you have the right amount of coverage each time you get behind the wheel.
If you are found at fault for an accident where the people in the other vehicle are injured, your bodily injury liability coverage will provide protection. Bodily injury liability will cover medical bills or related expenses for the occupants of the other vehicle after the accident.
If you were injured in the accident, your medical payments coverage will cover your injuries and medical bills. It will also work with your health insurance to help cover the costs of any medical care that you need beyond the initial doctors visit.
Your collision coverage will provide coverage for any damage that is done to your car in the accident. It will cover the cost of any repairs, minus your deductible, up to the actual cash value of your car. The property damage portion of your policy will provide protection for any damage that is done to other property outside of your own vehicle, including other vehicles and property, such as a lamppost or fire hydrant.
If you have to keep your car in the shop for repairs, rental car coverage will cover the cost of renting a car to get around. Rental car coverage is not required, but could help you save hundreds of extra dollars.
For all of your auto insurance needs, contact the insurance professionals at McCarty Insurance Agency in Fresno, California. We will work with you to ensure that you invest in the right policy that will provide the right amount of protection for you.