Auto insurance provides financial protection for your vehicle, yourself, and others in case of accidents, theft, or damage. Here’s a breakdown of the key coverage options:
1️⃣ Liability Coverage ⚖️ (Required in Most States)
Covers injuries and property damage you cause to others in an accident.
✔ Bodily Injury Liability (BIL) – Pays for medical bills, lost wages, and legal fees if you injure someone.
✔ Property Damage Liability (PDL) – Covers repair/replacement costs if you damage another vehicle or property.
2️⃣ Collision Coverage 🚗💥
Pays for repairs or replacement of your car if it’s damaged in an accident—regardless of who’s at fault.
✔ Covers crashes with other vehicles or objects (e.g., trees, poles, fences).
✔ Required if you lease or finance your vehicle.
3️⃣ Comprehensive Coverage 🌪️
Covers non-collision damages like:
✔ Theft & Vandalism 🚗🔑
✔ Fire & Explosions 🔥
✔ Natural Disasters (Floods, Storms, Earthquakes) 🌊⚡
✔ Falling Objects (Tree Branches, Hail) 🌳
✔ Animal Collisions (Deer, Dogs, etc.) 🦌
4️⃣ Personal Injury Protection (PIP) / Medical Payments (MedPay) 🏥
✔ Pays for your medical expenses (and passengers’) after an accident, regardless of fault.
✔ Covers hospital bills, rehab, and lost wages.
✔ Required in no-fault states.
5️⃣ Uninsured/Underinsured Motorist Coverage (UM/UIM) 🚧
Protects you if you’re hit by a driver who:
✔ Has no insurance (Uninsured) ❌
✔ Doesn’t have enough coverage (Underinsured) 💲
✔ Covers medical expenses and, in some states, car repairs.
6️⃣ Roadside Assistance & Rental Car Reimbursement 🚗🛠 (Optional Add-Ons)
🔹 Roadside Assistance – Covers towing, battery jump-starts, flat tires, and lockouts.
🔹 Rental Reimbursement – Pays for a rental car while your vehicle is being repaired.
7️⃣ Gap Insurance 🚘 (For Leased/Financed Cars)
✔ Covers the difference between what you owe on your car loan and what your car is worth if it’s totaled.
How Insura Can Help 🚀
🔹 Bundle & Save – Get discounts when combining auto & home policies.
🔹 Customized Coverage – Tailored plans that fit your budget and needs.
🔹 Affordable Rates – Find the best price without compromising on protection.
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