Many people think about their vehicle when purchasing auto insurance, but it is important to consider yourself and your passengers as well. Cruising down a Southern California highway, enjoying the beautiful scenery, can be exhilarating. However, not having the right insurance coverage in the event of an accident can be financially devastating.
Your agent may be able to guide you to the auto insurance options that may be best for you, and any other drivers who use your vehicle.
• Personal injury protection addresses the medical treatment of injuries sustained in an auto accident, and may include lost wages as well.
• Bodily injury coverage is designed to treat injuries caused by you to another person in an accident.
• Property damage liability insurance may pay for damage you or someone else driving your car causes to another car or individual.
• Collision coverage may pay for damage to your own car resulting from a crash with another vehicle.
• Comprehensive coverage may pay for theft of your auto or damage caused by something other than a collision, such as a natural disaster.
• Uninsured and underinsured motorist insurance is for damage caused to your car in a hit-and-run accident, or by another driver who has no auto insurance.
These six coverage options may be priced separately. It is important that you speak with your insurance agent and discuss each one individually, so that you can determine the level of financial protection you need in each area.