SafeAuto presents normal protection that’s required to satisfy state minimal auto insurance coverage legal guidelines in addition to further protection for many who need it. Protection choices embrace:
Legal responsibility insurance coverage is necessary in practically each state and pays for the accident-related prices of others whenever you’re at fault for an accident. Legal responsibility automobile insurance coverage insurance policies embrace two kinds of protection: bodily damage and property harm.
- Bodily damage covers prices related to accidents, together with medical payments, lack of revenue and funeral bills. It may well additionally cowl your authorized protection in addition to judgments and settlements when you’re sued after an accident.
- Property harm protection pays for the restore or alternative of another person’s property whenever you’re at fault, like their automobile or a fence you crashed into.
Collision protection pays for harm to your automobile when it “collides” with one other automobile or object, like a pole or guardrail. It additionally covers damages sustained from successful and run or when you roll your automobile.
Collision protection is non-compulsory, though your lender could require you to hold it if in case you have a automobile mortgage.
Complete protection pays for non-crash-related harm, resembling harm attributable to hearth, flood, hail, pure disasters, falling objects like tree branches and vandalism. This sort of protection additionally reimburses you in case your automobile is stolen or when you by accident hit an animal, like a deer, whereas driving.
Like collision protection, complete protection is non-compulsory, although you probably have to purchase it when you finance your automobile.
Uninsured motorist protection and underinsured motorist protection pay for medical payments and different bills for you and your passengers when you’re in an accident and the at-fault driver doesn’t have sufficient, or any, insurance coverage.
Uninsured motorist protection is required in some states.
Medical funds protection, also referred to as MedPay, covers your medical bills when you or your passengers maintain accidents in an accident, no matter who induced the accident. It additionally covers you when you’re injured as a pedestrian or a passenger in one other automobile.
MedPay is required in just a few states and never out there in others.