Auto insurance coverage has many parts. The first is bodily injury liability. This pays the other party for bodily injury should you injure someone in an accident. The second part of liability is property damage liability. This pays for the damage you cause to another’s property including their auto.
The second part of auto insurance covers the car itself: other than collision coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There is also ancillary medical and car rental. Please contact us for more information.
Utilizing deductibles for the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.
Collin Insurance Services offers free, comparative quotes on auto insurance from multiple insurance carriers so you can get the best possible rate.
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