Car owners in Porter, TX, are legally required to carry auto insurance to protect themselves and other people on the road. However, when buying insurance for the first time, whether it is yours or for your teen who has just started driving, understanding various coverage can be confusing. There is a lot of information to navigate through to ensure you are making the right decision. That is why JSI & Associates walks you through the different coverage you can pick.
This type of coverage can be divided into two policy options; bodily injury liability, and property damage liability. The first one, bodily injury liability, provides cover for all medical expenses arising from a third party’s injuries due to an accident you caused. On the other hand, property damage liability helps cover repairs and replacement costs arising from the accident.
Comprehensive coverage provides cover for non-collision accidents such as a fire outbreak, theft, hailstorm, or vandalism. If you suffer any covered perils, this policy provides compensation for the cost of repairing or replacing your vehicle.
Underinsured/ Uninsured Coverage
If you get into an accident with a driver whose insurance cannot cover the total cost of injuries or property damage, the underinsured policy can help cover the resulting expenses. On the other hand, you may also get hit by a driver without a cover. Again, an uninsured policy will help cover the ensuing expenses.
Medical Payment Coverage
This type of coverage protects you and your passengers if you get injured in an accident. It ensures that you are compensated for all medical expenses and lost income resulting from the accident.
Collision coverage offers you protection when you get in a collision accident. For instance, it can be a head-on collision with another car or when you hit a fence or an electricity pole. This coverage can help with the cost of repairing your vehicle.
To enjoy the above coverage in Porter, TX, be sure to contact JSI & Associates, where we will help you pick a suitable auto insurance policy for your car.