Safeguard your Auto with Simple. Smart. Insurance options.
As a responsible car owner, it’s essential to have the right auto insurance policy in place to protect yourself and your vehicle. But with so many different options available, it can be overwhelming to understand which coverage is right for you.
At CSIA, we are dedicated to helping you find the coverage you need at a price you can afford. As an independent insurance agent, we represent a range of auto insurance companies and can provide you with multiple quotes from top-rated insurers with just one phone call. Our goal is to save you time and money while helping you find the coverage you need.
On this page, we will break down the various types of auto insurance coverage available, including liability insurance, no-fault insurance, uninsured motorist coverage, and more. We will also explain how each type of coverage can help protect you and your vehicle in different situations. By understanding your options, you can make an informed decision about the best coverage for you.
As a local insurance company, CSIA understands the importance of having the right auto insurance policy for your unique needs. That’s why we offer various coverage options and work with you to find the most suitable policy for your situation. One way we can help is by acting as an auto insurance broker.
As an independent insurance agent, we represent a range of auto insurance companies and can provide you with multiple quotes from top-rated insurers with just one phone call. Our goal is to save you time and money while helping you find the coverage you need.
There are many different types of auto insurance coverage available, and it can be overwhelming to understand which options are suitable for you. Here’s a breakdown of some of the most common types of coverage to help you make an informed decision:
Liability insurance is typically required by law in most states, and it helps cover expenses if you are at fault in an accident. There are two types of liability insurance:
If you are involved in a car accident, and someone is injured, bodily injury liability coverage can help pay for their medical bills and lost wages because of their injuries. This type of coverage is typically required by law in most states, and it is one of two types of liability insurance.
When you purchase bodily injury liability coverage, you choose a limit for the maximum amount that the policy will pay out. For example, if you choose a policy with a limit of $50,000 per person and $100,000 per accident, this means that the policy will cover up to $50,000 in medical bills and lost wages for each person injured in the accident, up to a maximum of $100,000 for all injured parties combined.
It’s essential to choose a limit that is appropriate for your situation. If you have significant assets, such as a home or other valuable property, you may want to consider purchasing a policy with a higher limit to protect yourself in the event of a lawsuit. On the other hand, if you have fewer assets, a lower limit may be sufficient.
In addition to choosing a limit, you may also need to consider your deductible when purchasing bodily injury liability coverage. A deductible is an amount that you are required to pay out of pocket before your insurance policy will kick in. For example, choose a policy with a $500 deductible and are involved in an accident that causes $10,000 in damages. You will be responsible for paying the first $500, and your insurance company will cover the remaining $9,500.
By understanding your options and choosing a policy that is right for you, you can have peace of mind knowing that you are protected in the event of an accident.
Property damage liability coverage helps pay for damages to another person’s vehicle or property if you cause an accident. It typically covers the cost of repairs if you are at fault for a car accident that damages another vehicle or property, such as a fence or building front.
Like bodily injury liability coverage, property damage liability coverage requires you to choose a limit for the maximum amount that the policy will pay out. It’s important to have sufficient property damage liability coverage to protect yourself in the event of an accident. Even if you are a safe driver, accidents can happen at any time, and you want to make sure you have the coverage you need to cover the costs of any damages you may cause.
Also known as PIP insurance, personal injury protection is a type of no-fault insurance that helps cover expenses like medical bills, lost wages, and funeral costs after a car accident, regardless of who is at fault. Requirements for this coverage vary by state, but it can be especially important in states where drivers are not required to carry liability insurance.
PIP coverage can help cover a wide range of expenses related to an auto accident, including:
It’s important to note that PIP does not cover property damage or injuries to the other driver in a collision. It also does not cover injuries sustained in an accident while committing a crime or receiving payment for driving.
Uninsured motorist coverage protects you if you are in an accident with an at-fault driver who does not have liability insurance. This type of coverage can be especially important if you live in a state with a high percentage of uninsured drivers, as it can help cover your expenses if the other driver cannot pay for damages.
Underinsured motorist coverage steps in when you are in an accident with an at-fault driver whose liability limits are too low to cover your medical expenses. The at-fault driver’s insurance will typically pay for damages up to their policy limits, and then your underinsured motorist coverage may cover any excess amount up to the limits you select. This can be especially important if you have significant medical expenses or lost wages because of the accident.
In addition to liability and no-fault insurance, several other types of auto insurance coverage available can help protect you and your vehicle:
Covers damages to your own vehicle if you are at fault in an accident. This can be especially important if you have a newer or more expensive vehicle, as it can help cover the cost of repairs or replacement.
Covers damages to your vehicle from non-collision events like natural disasters, theft, or vandalism. This can be especially important if you live in an area prone to these types of events, or if you have a newer or more expensive vehicle that you want to protect.
Covers the cost of a rental car while your vehicle is being repaired after an accident. This can be especially convenient if you rely on your vehicle for daily transportation and need a way to get around while your car is being repaired.
At CSIA, we are here to help you understand your options and find the coverage that is right for you. Our experienced insurance agents are available to answer any questions you may have and guide you through the process of selecting and purchasing a policy.
We know that shopping for auto insurance can be stressful, but we are committed to making it as smooth and seamless as possible. By working with us, you can be confident that you are getting the best coverage for your needs at a competitive price.
Don’t wait to protect yourself and your vehicle – contact us today or fill in the form below to learn more about the various types of auto insurance coverage available and how we can help you find the right policy.
Simple. Smart. Insurance protecting what matters
Hopefully you will never need to use this insurance, but in most states it is required by law. Let’s say you are in a crash and injure another person. Maybe it’s a serious injury, and they need surgery or other medical care. This can end up costing a lot of money. In this case, liability insurance covers the costs.
What happens if a rock hits your windshield or your car gets stolen. In this scenario, comprehensive insurance would cover the damages or estimated cost of the car.
If you crash into a wall, fence, or another car, the coverage you need is collision.
It might seem logical that collision would cover this, but actually, many insurance place this under comprehensive coverage.
Gap Insurance – or loan/lease insurance can help protect you if your vehicle is financed or leased. If your vehicle is totaled, this coverage may pay the difference between the actual cash value of the vehicle and the unpaid balance of the loan or lease.
Car insurance doesn’t have to be complicated. Give our office a call and see what your budget can handle.
You can let your CSIA agent know, but to get the claims process rolling fast, you can report a claim online period.
Minimum Liability coverage – pays for losses or injuries you cause others.
As of 2021, State Minimum Auto Coverage liability limits are set at:
While this is the state minimum requirement, we suggest our clients protect themselves by maintaining higher insurance limits.