In order to meet the requirements by the state, you must have $50,000 of insurance for bodily injury per accident and $10,000 for property damage. Liability insurance will help pay for injuries and lost wages for another driver or passengers, and damage to another’s car in the event you are considered at fault for an accident.
In addition to increasing the limits on bodily injury and property damage liability, there are additional coverages to explore to protect yourself. Underinsured and uninsured motorist coverage will help if you or a family member is hit by an uninsured driver or a hit-and-run driver. Personal injury protection will help pay for treating injuries to the driver and other people in the car after an accident. Collision coverage pays for damage to your vehicle if you collide with another car or object. It can also pay for damages to your vehicle for driving over potholes. Comprehensive coverage will help pay for damage or loss due to theft or an event that isn’t a collision, such as vandalism, contact with an animal, or fire.
If you are leasing or financing your car, your lender may require you to have comprehensive and collision coverage. Your auto insurance could cover you if you are driving into Canada but check with your agent at FOCIS if you need additional coverage. Gap insurance will help if you are paying off your auto loan and your car is totaled before you pay it off. The typical policy will only cover the value of the vehicle and not what is left on your loan. Rental reimbursement coverage can cover a rental car if you need it while your car is at the repair shop. Roadside assistance coverage can offer towing services if your vehicle breaks down.
Contact FOCIS to get a quote on auto insurance.
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