Do you have auto insurance in O’Fallon, MO? Do you know what it covers? Unfortunately, most motorists buy auto insurance to comply with the law but barely understand the policy’s contents. If you want to harness the power of your car insurance policy, you must understand what it covers. This way, you will be better placed to know what "add-ons" you can purchase to boost your policy.
So, what does your car insurance cover? Senn Insurance Agency highlights four key areas covered by your auto insurance.
Despite how careful you are on the road, you can cause an accident. When deemed at fault for an accident, you may be responsible for bodily injury and property damage caused. Since liability claims can be expensive, you had better cushion yourself with car insurance.
Your car is not only expensive, but it also holds good memories. Since your car means the world to you, it makes sense to protect it with car insurance. Auto insurance compensates you when you lose or damage your car. You don’t have to start from scratch when the unexpected strikes.
Medical costs coverage
Car accidents are common in the US, and motorists and passengers rarely escape unscathed after an accident. Since treating auto injuries can be expensive, you are better off investing in MedPay or PIP, even if you have a health insurance plan. These policies cover expenses like partial loss of wages that aren’t covered by your health insurance.
Uninsured motorists coverage
While auto insurance is mandatory in Missouri, you still find motorists without coverage. Uninsured motorists leave a trail of uncovered damage, hence the need to invest in uninsured motorist coverage to protect you from such losses.
Ready to invest in car insurance? Please get in touch with Senn Insurance Agency. We offer comprehensive yet affordable car insurance policies in O’Fallon, MO, and surrounding areas.