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Automotive insurance policies have two key components:
Liability Insurance and Collision Coverage. The experienced agents at Efinity Insurance will assist you in understanding the true risks of automobile insurance, and how to protect against them.
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Collision Coverage
Collision Coverage covers the damage to your vehicle resulting from a collision with another vehicle or object. Generally, the coverage reimburses you the amount needed to repair or replace your damaged vehicle, minus the deductible you select. This coverage is normally required if your vehicle is leased or if you have an outstanding loan on the vehicle.
Liability Insurance
Liability Insurance coverage helps to protect you and your family against financial loss arising from legal liability associated with bodily injury or property damage of another due to an accident you cause. Most states require any driver to carry a minimum amount of liability insurance coverage, or post a bond, before one can register a vehicle or obtain a driver’s license.
Bodily Injury coverage covers the expenses associated with other people’s injuries or death for which you are legally responsible. Coverage includes medical expenses, loss of income, pain and suffering. These coverages are subject to the limits and conditions of your policy. Most states require drivers to carry Bodily Injury coverage.
Property Damage following an accident for which you are legally responsible. Property Damage covers your liability for damaging another person’s personal property, such as an automobile, house or fence.
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