Whether you are on the road with your first car or you’ve been driving for years, auto insurance is a must-have investment. Auto insurance is a safety net that protects you financially when you are on the road. Don’t wait for the worst to happen, yet you purchase auto insurance at Knippenberg Insurance Inc. today.
Having the right coverage can make a huge difference between being relieved after an accident and being in financial distress. Here are the common areas covered by auto insurance.
Liability coverage
When you are in an accident, and at fault, you will be glad you had liability coverage. Liability coverage covers third-party expenses like legal costs if you got sued, property damage, or bodily injuries to others. Without this coverage, you are responsible for paying for these expenses, putting you at financial risk if the accident was significant.
Uninsured motorist coverage
Since auto insurance is mandatory in Maryland, don’t make the mistake of assuming every car is insured. You will find uninsured or underinsured motorists on the road. If these people crash into your car, this policy steps in and pays for the expenses incurred from the accident.
Physical asset coverage
Collision coverage covers the damages caused to your car regardless of who is at the fault of the auto accident. It also covers collisions with objects like a fence or tree. On the other hand, comprehensive coverage covers non-collision perils like vandalism, fire, theft, and natural disasters.
Medical expenses coverage
PIP or MedPay coverage covers medical expenses for you and the passengers present at the time of the accident, regardless of who was at fault.
Auto insurance in Cumberland, MD
If you own a vehicle, be sure to get the right coverage that suits your needs. Ready to purchase your auto insurance policy? Contact us at Knippenberg Insurance Inc. for an affordable quote.
