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Auto Insurance- Protect Yourself from Total Financial Loss

Driving without any kind of auto insurance is risky for both you and others. Over 47 of the states, including Illinois, require people who own vehicles to have some kind of car insurance because it acts as a safety net in case of an accident.

When you acquire car insurance, you buy a policy. A car insurance policy is an agreement between you and the insurer that if elected provides you medical, property, and bodily injury coverage. A lot of people opt for minimum car insurance coverage because they consider it to be an unnecessary investment. However, the need for a policy that offers more coverage becomes more apparent in case of an accident.

This minimum car insurance limit differs in each state. For example if you reside in California, you are required to have a policy that covers up to $25,000 in an accident that leads to either injury or death of a person. The statutory minimum policy for an accident involving injury or death of more than one person should cover up to $50,000. In addition, the policy should cover up to $15,000 for accidents involving property damage.

What many people fail to realize is that carrying a minimum amount of coverage means that in case you exceed your limit, the remaining amount of damages will be paid from your pocket which can be quite costly.

The best way to protect yourself from incurring unexpected financial loss, in case of an accident, is to buy a car insurance policy above the minimum limit as stated by law. In order to choose car insurance policy that suits you best, first you need to understand the various types of automobile coverage insurance available.

Here are some types of automobile coverage that many insurance companies offer:

Bodily Injury Liability
If you are held responsible for injuring another party in a car accident then this coverage protects you, the insured, from financial loss. Bodily Injury Liability also pays your defense cost in case you are sued. This can be a huge burden off your shoulders because lawyers charge a lot in some areas of Illinois.

Medical Payments
This added coverage pays for your medical expenses. However, the medical payments depend on your coverage limit. Medical payments may include care of injuries, lost wages, and also funeral cost in case the car accident results in death.

Property Damage Liability
This insurance coverage pays on your behalf, if you or somebody else driving your automobile damages another individual's property. This includes, but may not be limited to, the other person's car, lamp posts, buildings, telephone poles, signboards, and fences.

Collision Coverage
If your vehicle gets damaged from the collision with another individual's car or object, then you can use this coverage. This coverage pays for the damages caused to your car, even if the other party is uninsured.

Rental Reimbursement
This added coverage pays for the costs of a rental car in case your vehicle is damaged in the event of an accident.

Comprehensive Insurance
This coverage covers for the damage or loss of the vehicle which may not have been directly involved in an accident.

Uninsured and Underinsured Motorist Coverage
If your car is hit by a driver who has insufficient or no liability coverage then, in both cases uninsured or underinsured motorist, the coverage will pay for your auto damages.

Once you have understood the types, now it's time for you to make your choice. To ensure that the auto insurance policy you select adequately cover your needs, you must keep three tips in mind, know your state law, check your driving record, and research thoroughly to find a reliable insurance company that fulfills your needs.

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Rueck Insurance is your independent, one-stop insurance center for all your personal and business insurance needs in Illinois. Insurance shopping is easy when the Protection Team provides you with multiple quotes to choose from. You will always know you are getting the best coverage at the lowest possible price.

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Rueck Insurance is your independent, one-stop insurance center for all your personal and business insurance needs in Illinois.

702 Bloomington Rd#205
    Champaign, Illnois
(217) 355-9075

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