Auto insurance is among the most commonly needed types of coverage in the United States. Regardless of a motorist’s experience or skill level, or how responsible and careful they are while behind the wheel, accidents and other mishaps may be impossible to avoid forever. Fortunately, building the right auto insurance policy can provide financial protection from even the most unfortunate incidents, providing fiscal security and peace of mind.
What Types of Auto Insurance Should I Have? 
Auto insurance policies can be heavily customized to suit your unique situation, including your budget, relevant requirements and risk tolerance. Your location, the type of vehicle you own and how you use it can all play a significant role in your coverage needs. Consider how the following standard parts of auto insurance coverage may help:
- Bodily injury liability coverage may assist with other parties’ medical bills and financial losses should you be at fault for an accident.
- Property damage liability coverage may help limit out-of-pocket consequences if you are responsible for damaging someone else’s vehicle, building or other property.
- Collision coverage may help pay for your own losses if your vehicle is damaged in a crash.
- Comprehensive coverage may financially protect your automobile from fires, severe weather and crime.
- Uninsured/underinsured motorist coverage may be necessary to ensure you can recoup losses if the at-fault party’s insurance is lacking.
- Medical benefits coverage, also known as MedPay in some parts of the country, may render aid for health care costs if you or your passengers are injured in an accident.
We’re Here to Help
The dedicated team at Gerhart, Hartman & Ritner will be at your side as you assess your coverage needs and explore available auto insurance options. Contact us today to learn more or to compare personalized quotes.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.