Almost every state requires drivers to have liability insurance. It’s important to make sure individuals are protected in the event of an accident. However, consumers should talk to an agency about Car Insurance in St. Augustine. Find out the limits of coverage needed and the types of coverage.
Liability
Liability coverage protects the other driver, as well as you and your family. Individuals responsible for an accident with injuries or deaths may be sued. The at-fault party is responsible for any damages over the limits of liability coverage. Experts recommend having $500,000 worth of property damage and bodily injury liability. This ensures that you will be able to pay for property damage, medical bills and their lost wages.
Comprehensive and Collision
Has your car ever been stolen? Comprehensive coverage protects the owner in this situation. Likewise, comprehensive coverage pays for damage caused by acts of nature like storms and fire. Individuals with new cars are required to have comprehensive and collision coverage. Collision coverage pays for vehicle damage caused by accidents that are the owner’s fault.
Uninsured Motorist
Uninsured motorist kicks in if you’re in an accident and the at-fault party has no insurance. Many unscrupulous individuals drive without insurance to save money. Further, they don’t care if someone is left holding the bag. Health insurance pays for some medical bills. However, uninsured motorist will pay the rest. The uninsured motorist also serves as the under insured coverage. This is important if the liable party doesn’t have enough insurance to cover your damages.
Car insurance in St. Augustine consists of other helpful coverage. For instance, roadside assistance is invaluable if someone runs out of gas or has a flat tire. Call the insurance company, and they’ll send help. Rental reimbursement is important if the liable party in an accident is uninsured. Your insurance company will pay for a rental car while repairs are made. Finally, drivers need to understand deductibles. Experts recommend having a high deductible on comprehensive and collision coverage. Consumers with higher deductibles pay less for premiums. There’s a lot to learn and understand about car insurance. Get some help by talking to the experts at ThompsonBaker.
