Car Insurance Prepares You for the Unexpected

Iowa auto insurance quotes will ensure you are covered - Get a free car insurance quote todayTraffic accident scenarios are common, from fender-benders to highway crashes.  In fact, according to the Census Bureau, over 10 million accidents occur on U.S. streets each year.  The key is to be prepared so that the costs involved in recovering from an accident are not devastating to your finances.

Commercial Vehicle Insurance Explained

How to Cover Your Company’s Drivers and Vehicles

The risks you face as a business owner vary widely from liability concerns to workers compensation issues to the possibility that one of your workers could be responsible for an accident.  If you have staff members who get behind the wheel, your commercial vehicle insurance will protect your business financially in the event of incident on the road.

Motorcycle Insurance for Whatever Awaits

Every activity comes with risks, especially those that involve wheels, speed, and the unpredictable factors that drivers and motorcyclists experience while on the road.  Make sure you have the motorcycle insurance you need to be fully covered in the event of an accident.

What Does Car Insurance Cover?

There are three primary types of insurance coverage:

  • Liability insurance: Covers the costs associated with injuries and property damage you are responsible for if you cause an accident.
  • Collision: Covers the costs to repair or replace your damaged or destroyed vehicle after an accident.
  • Comprehensive: Formally known as “other than collision,” this portion of your policy covers damage to your vehicle from causes such as auto theft and weather damage.

There are also several different types of coverage which may be available to you, including:

  • Medical payments: Covers the costs of injuries for you and others in your vehicle after an accident, regardless of who was at fault.
  • Personal injury protection (PIP): Similar to medical payments coverage, PIP coverage can pay your medical costs after an accident, regardless of fault. But PIP offers expanded coverage that includes coverage for lost wages.
  • Rental reimbursement: Pays a certain amount daily for a replacement vehicle if yours is in the shop for repairs.
  • Towing and roadside service: Provides emergency roadside assistance and towing to help you get your vehicle back on the road or to a shop for repair.

Iowa Car Insurance is important - Lillis Insurance offers free Iowa auto insurance quotesAs you consider your policy needs, it is important to keep the coverage limits in mind.  The costs of a severe crash can quickly exceed the limits.  If that occurs, you will have to pay for costs out of your own pocket.

This information was sourced from Trusted Choice