Auto insurance is required under the law, Farmer’s auto policies help protects you against financial loss in case of a car accident. There are different types of auto insurance coverage including property, liability, medical, uninsured and underinsured motorists, comprehensive and collision coverage. Let me help find the best policy for you and/or your family.
UNDERSTAND THE COMMON TYPES OF AUTO COVERAGE AND GET THE INSURANCE YOU WANT, TO FIT YOUR BUDGET.
There are two types of liability coverage - coverage for Bodily Injury and coverage for Personal Property. Washington State requires you to carry a minimum amount of liability coverage, or post a bond, to register your vehicle or obtain a driver's license. If you’re legally responsible, or “liable” for damages, Liability coverage helps pay for them.
Legally required for drivers in almost every state, Liability coverage includes Bodily Injury and Property Damage coverage, which pay for someone’s medical expenses, personal injuries, and property damage if you’re at-fault.
If you hit something like another vehicle or a fixed object like a guardrail, lamp post, or telephone pole, Collision Coverage helps pay for the damages to your car.
If your car is broken into, or dented in a hailstorm, Comprehensive Coverage would help cover the losses to your car. Sometimes called “Other Than Collision” or “Fire and Theft,” Comprehensive covers losses from things other than an accident, like vandalism, riots, floods, hail, fire, animal collisions, and theft.
Uninsured/Underinsured Motorist Coverage
These days, about 1 in 8 drivers* are completely uninsured…and about 30% of drivers don’t have enough insurance. That’s why it’s important to consider Uninsured/Underinsured Motorist Coverage. It provides Liability (Bodily Injury and Property Damage) coverage for you, if an uninsured or underinsured motorist is at fault in an accident.
If you or anyone in your car is ever hurt in an accident, Medical Coverage can pay for their medical expenses.
Personal Injury Protection (PIP)
PIP is similar to Medical Payments coverage, but it covers a wider range of costs. It can help pay for medical and rehabilitation expenses, work loss, funeral costs, and even replacement services.
When deciding on your Auto insurance policy or making changes to your coverage, it’s important to understand what each option does, and how it would work if you ever needed it. Some coverages are required by Washington State Law, while others are extra options you may want to expand your coverage.