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Recommended Car Insurance Coverage

Policy Coverage

Recommendation


Bodily Injury


If you cause an auto accident, this auto insurance coverage
protects you against damages such as medical expense, lost
wages, and funeral costs suffered by the injured party.

You should carry adequate auto insurance to protect your assets
from claims resulting from a serious car accident.

State Minimum*
$50,000/$100,000

Recommended Minimum
$100,000/$300,000


Property Damage


Similar to Bodily Injury insurance, this car insurance covers tangible
property damaged during a car accident.
State Minimum*
$25,000

Recommended Minimum
$100,000


Personal Injury Protection (PIP)


This car insurance provides coverage for certain medical and
rehabilitation expenses, or lost wages resulting from injuries
to drivers, passengers, or pedestrians.
Recommended
Minimum


$5,000

Uninsured/Underinsured Motorists


Uninsured motorist car insurance coverage protects you against bodily
injury sustained in a car accident with an uninsured or
hit-and-run driver.

Underinsured auto insurance coverage pays for injuries not
fully covered by the car insurance company of the other driver.

Recommended Minimum

Same $$ as Bodily Injury

(see above)

Comprehensive

Optional


This auto insurance coverage pays for damage to your car if it
is stolen, vandalized, or damaged by fire, flood, fallen
trees, storms, etc.

Comprehensive auto insurance coverage is normally required by lenders.

Recommended

Increase your deductible to a comfortable level and you will reduce
your car insurance premiums. We don’t recommend a deductible
higher than you can afford to pay.

Collision

Optional


This car insurance covers the cost of repairing damage to your
car caused by a collision with another
vehicle or object (tree, deer, etc.).

Collision insurance is often required by lenders.

Collision insurance an older car should be considered against the
actual value to replace the car.

Recommended

Increase your car insurance deductible to a higher amount to reduce
your insurance premiums. Again, we don’t recommend a deductible
higher than you can comfortably afford in the event of a
claim.

Towing

Optional


Reimburses you for the cost of having your car towed to a repair shop
after an accident or breakdown.
Recommended

Recommended to buy. However do not duplicate coverage if your dealer
or other 3rd party car club already provides this coverage
adequately.

Rental

Optional


Generally reimburses you up to $15 to $20 per day for the cost of
a rental car when your vehicle is in the shop for more than
24 hours for repairs due to an accident or covered claim.
Recommended

Ask your auto insurance agent about the amount of coverage.
Purchase an amount that will provide a rental car similar
in size and style to the vehicle you are currently driving.

 

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