Auto insurance is one of the mandatory coverage that residents within Wayne, PA are required to have upon purchasing a vehicle. While numerous policyholders understand the basic coverage features, not all are aware of such information, especially if you are a first-time policy seeker. The Sirover Agency LLC can help with this, with the following guide detailing what auto insurance covers.
Property Damage Liability
The first item covered by auto insurance is property damage liability. If you are found liable for an accident that results in the other party’s destruction of property, auto coverage will help you take care of the repair and replacement costs. This can be damage to vehicles or other 3rd party property such as buildings.
Bodily Injury Liability
Auto coverage will also help you pay for bodily harm that you cause during an accident. Bodily injury liability kicks in when other parties incur treatment costs, with this cover ensuring that such expenses are taken care of.
Accidents will often leave you with injuries to cater to, an aspect that could lead to significant medical expenses. Auto insurance provides medical payments coverage, a policy that provides compensation for the costs of injuries. This policy also covers your passengers, helping them pay for their treatment expenses when they get injured.
Uninsured and Underinsured Motorist Expenses
When an uninsured motorist hits you, and you get bodily harm, or your vehicle gets damaged, uninsured motorist coverage helps you pay the ensuing costs. Underinsured coverage comes in handy when you get into an accident with a motorist whose coverage is not enough to cover your costs of medical expenses and property damage costs.
Collisions and Non-Collision Incidences
Collisions are also covered by auto insurance, with collision coverage coming in handy when you encounter impact accidents. Non-collision accidents are also covered by auto insurance, with a comprehensive policy helping you take care of emergencies related to fire, hail, theft, and vandalism.
If you need coverage designed to take care of your injuries or damage to 3rd party property during your Wayne PA drives, auto coverage will be your go-to. Call The Sirover Agency LLC today to purchase auto insurance.