Share:

According to Charles Adams Insurance Agency of Ashland, KY, every state requires drivers to carry a minimum amount of liability insurance. However, this coverage won't cover damages to your personal property or protect you from legal action after a severe crash.

auto insuranceAuto insurance carriers offer a variety of policies for varying circumstances, each providing protection against unique risks. Your policy may include:

  • Liability Insurance: This coverage is mandated by the state and will pay for medical expenses and property damage resulting from your accident. It may even cover the accompanying legal costs. However, many states, including Kentucky, have “no fault” systems where each driver's insurance company must pay for their damages.
  • Collision Coverage: Liability and personal injury coverage may protect your health and the property of other drivers if you cause an accident, but who will pay for your auto repairs? Collision insurance will reimburse you for all damage to your vehicle while it's on the road, regardless of who was to blame for the accident.
  • Comprehensive Insurance: While collision insurance protects your car while it's in motion, comprehensive insurance extends to cover issues that occur when it's parked. This includes damage caused by animals, reckless drivers, and weather, as well as arson and theft. If you're making payments on your vehicle, the lender will likely require that you carry both collision and comprehensive coverage.

For over a century, Charles Adams Insurance Agency has provided Kentucky drivers with the dependable insurance products they need to drive with peace of mind. They maintain stable relationships with a wide range of carriers, allowing them the opportunity to shop around and hunt down the policy that best suits you. To learn more about their services and request an auto insurance quote, visit the Charles Adams Insurance Agency website, or give them a call at (606) 325-9709 today.

tracking