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Auto Insurance Protects More Than Your Car

getty-medium-getty-3698-450425533-jpgProtection against loss is the primary purpose of auto insurance.  Drivers learn quickly that appropriate coverage pays for many expenses that will be associated with accidents.  Vehicle repair and replacement is a small portion of the coverage extended to the policyholder.

  • Liability coverage – Drivers in every state are required to carry the minimum amount of liability insurance required by the state in which they live.  Insurance companies are recommending substantially more liability coverage to address expenses incurred when third party property is damaged in collisions.
  • Medical expenses – Any driver without major medical insurance should carry some level of medical insurance coverage on the auto insurance policy.  Medical bills will be paid up to the amount on the policy if the driver is injured in an accident.  Medical expenses for passengers in both vehicles are covered under the liability component.
  • Comprehensive coverage – Theft, vandalism and storm damage are covered under this optional component of the standard auto insurance policy.  Contents of the vehicle fall under the comprehensive coverage.  Expensive stereo equipment would be replaced following the payment of the deductible.

Drivers will want to learn more about the specific policy coverage currently available.  Lifestyle plays an important role in the necessary components purchased each year under the auto insurance policy.

Contact Humble & Davenport Insurance for all of your auto insurance needs in Washington.