If you plan to own and drive a car, having some degree of auto insurance is legally required. However, you don’t have to stop at basic protection. There are various types of policies that can protect you and your passengers in the event of an accident.

5 Incidents That Auto Insurance Can Cover

1. Injuries Caused to Others

Most states require motorists to have liability insurance. If you’re in an accident that results in injuries to another driver, pedestrians, or passengers in your vehicle, bodily injury liability coverage pays for their medical expenses. It also provides compensation for any wages they might lose due to the accident and will help pay for your legal fees.

2. Personal Injuries

No matter who is at fault in an accident, personal injury protection will cover any medical expenses you might accrue. Depending on the policy, it might also cover lost wages and provide coverage if you’re injured by another driver while not inside your own car, such as while riding a bike.

3. Damage to Property

If you damage another person’s vehicle or other property in an accident, personal damage liability coverage will pay to repair or replace it. This coverage is required in most states.

As this policy doesn’t cover damage to your own vehicle, consider adding collision coverage. This will help repair or replace your vehicle if it’s involved in an accident.

4. Damage Not Caused by Collisions

Getting into a wreck with another vehicle is not the only way your car can suffer damage. It can also get stolen, hit a deer, or have a tree fall on it. In these instances, a comprehensive auto policy would help repair or replace the vehicle. 

5. Uninsured & Underinsured Motorists

If you’re involved in an accident with someone who doesn’t have auto insurance to cover the damages they caused, underinsured motorist coverage will reimburse you. This policy also protects against hit-and-runs.

When you need quality auto insurance coverage that meets all of your needs, turn to JMS Insurance Agency, LLC. This insurance agency offers complete auto, home, life, and business insurance programs to residents throughout Stafford, TX, and the surrounding areas. Visit their website to receive a quote, or call (281) 494-1500 with any questions.