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Why Do You Need Auto Insurance?

If you are involved in an accident, a vehicle insurance policy is designed to provide you with a level of protection against damage, liability, and medical expenditures.

Damage to or theft of your vehicle is covered under property coverage.
Liability insurance covers your legal obligations to others in the event of personal harm or property damage.
Medical insurance covers the costs of treatment, rehabilitation, and, in some cases, lost wages and burial expenses.

Selecting the right automobile policy coverages, deductibles and limits now ensures that you won’t be surprised by any bumps in the road should a loss occur tomorrow. Auto Insurance Irvine can help!

Auto Insurance Coverage

If you’re buying a new car or looking for auto insurance, you’ll want to know about the many types of coverage that are available. Irvine Auto Insurance can assist you! We’ve covered the essentials below, which includes all of the information you’ll need to comprehend your vehicle insurance policy and coverage options.

Comprehensive and Collision Coverage

Collision

Covers damage to your car when it collides with or is collided with another vehicle or object. Collision insurance covers the cost of repairs, minus the deductible you pick. Because this coverage is often restricted to the cash worth of your automobile, you may want to consider eliminating it for older cars. The state does not demand this coverage, but if you have a loan or a lease, the lienholder will.

Comprehensive (Other Than Collision or OTC)

Covers your car, as well as any other vehicles you may be driving, for losses stemming from non-collision occurrences. This covers damage to your car caused by theft, flood, fire, falling items, or animals. Although collision and comprehensive coverage are not required in many states, if you have a car loan, your lender may insist that you carry it until your loan is paid off.

Liability Protection

Bodily Injury Liability (BI)

This is required in most jurisdictions and covers injuries caused by you, the designated driver, or the policyholder to someone else. Medical expenditures, lost wages, and pain and suffering are all examples of bodily damage claims. It does not cover the costs of damage to your vehicle, you, or other policyholders.

Medical Payments (MP) or Personal Injury Protection (PIP)

In the event that you or your passengers are harmed in an accident, this no-fault policy will cover your medical expenditures. Medical payments may also be available to policyholders and their families if they are harmed while riding in someone else’s automobile or if they are hit by a car while walking or bicycling. Medical payments coverage may be unneeded if you and your regular passengers already have health insurance that covers similar charges. Details can be found in your health insurance policy.

Uninsured and Underinsured Motorist Coverage (UM or UIM

If one of you is struck by an uninsured or hit-and-run driver, this policy will reimburse you, a member of your family, or a designated driver. When an at-fault driver’s insurance is insufficient to cover your whole loss, you’ll need Underinsured Motorist coverage. If you are hit as a pedestrian, you will be covered by this policy.

Property Damage Liability (PD)

If the car destroys someone else’s property, it covers you or someone driving the car with your permission. It also offers you legal protection in the event that you are sued by someone else.

Get your FREE and fast Auto Insurance Quotes from Auto Insurance Irvine today!

Auto Insurance Reviews

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“Awesome! Everyone in the office is super helpful and knows what they are doing. I would definitely recommend them to everyone I know for a quote because of all they have to offer.”

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