Your car is among the most valuable assets you own, and covering it must come first. Having an auto insurance cover is crucial as it protects your vehicle if an accident happens when you or another person is behind the wheels. Hefty charges may apply if the accident damages a secondary car, making the policy a necessity. Before investing in various types of auto insurance, it is rewarding the first understand what each entails.
Understand Compulsory Insurance Cover
Most state laws demand that you have several liability policies if you own a car. The rules may vary from one state to another, but the difference is marginal. They include asset damage insurance and injury liability. The first one covers all types of injuries or death caused by your car. The second option compensates for the physical damage that your vehicle causes on a secondary vehicle and property. It does not matter who was driving your vehicle.
What Voluntary Insurance Cover Entails?
The auto insurance coverage does not protect your car, but it covers other vehicles you hit while on the road. Voluntary insurance comes in handy if you wish to cover your car from accidents. There are several optional policies which include:
- Comprehensive insurance: It compensates your car after a theft or non-collision damage. It covers unfortunate events that include vandalism, falling objects, storms, floods, and fire, to mention a few.
- Collision insurance: Protect your car from any damage that results from a collision by purchasing a collision cover. The options cover your vehicle if you hit stationary objects like trees. However, it does not compensate for any mechanical issue.
- Glass policy: One of the most common breakages is windshield damage. Protect your car by purchasing a glass policy lest you pay cash from your pocket every time the glass on your car breaks.
Contact DJ Kauffman Agency if you own a car in Hutchinson, KS and get valuable advice on the ideal insurance policy for your assets.
