If you’re on the hunt for auto insurance, you may be surprised to find that it is comprised of various components that together form comprehensive coverage. As a provider, Edwards Insurance Agency has been supplying quality products to its Sparta, WI, clientele for nearly a century. To tailor a policy to each individual’s needs, they outline the most important aspects and discuss what might be necessary to a specific lifestyle or situation.

Liability Insurance 

Liability insurance provides protection if you cause an accident. It covers any medical claims for those in the other car, as well as damages to their vehicle. Many states have a required minimum and impose fines and even jail time in certain circumstances for those who drive without it.  

Uninsured Motorist Coverage

Many people drive without auto insurance coverage, which is especially problematic if they cause you harm. If the accident was the other person’s fault, your policy will not cover your medical expenses or damages to your vehicle unless you have uninsured motorist coverage. Though it is optional in some states, it’s a worthwhile consideration for such worst-case scenarios.

Comprehensive Coverage

This component protects against issues and damages that do not result from a collision. For instance, if your vehicle is stolen or vandalized, comprehensive coverage will compensate for your losses. Similarly, if there’s a natural disaster or fire, or an object, such as a tree, falls on the car, the policy will help you fix or replace it.

If you are searching for auto insurance or would like to add to an existing policy, speak with a qualified professional at Edwards Insurance Agency about your needs. The caring team offers individualized service and quality products that match your lifestyle and budget. Call them today at (608) 269-4512 to schedule an appointment, or visit their website for more information about how they can assist.