Auto Insurance - Stay protected on the road
What You Need to Know about Personal Auto Insurance?
Reports show that there are over 6 million car accidents in the US yearly. In addition, according to Statista, the motor vehicle theft rate keeps increasing. Your car is a prized possession, and you must protect it as much as possible from unforeseen circumstances.
Personal auto insurance is an insurance policy that protects you financially in case your car is stolen or involved in an accident. Your insurer must pay for the costs associated with the events when they happen. Accidents are unfortunate events that can happen to anyone at any time. At the same time, it is impossible to control whether or not you'll have an accident, it is possible to determine your fate after it, and this is where personal auto insurance comes in.
What Does Personal Auto Insurance Cover?
Personal auto insurance covers the following aspects:
● Theft of and damage to your car
● Medical expenses (if any) for treating injuries. Some policies also cover funeral wages, rehabilitation fees, and lost wages
● Personal liability incurred as a result of bodily injury or property damage caused by your car. These are just the basics. Each state and policy have its required coverage requirements
Your auto insurance should cover you and the other family members included in your policy, whether they are driving your car or someone else. In addition, anyone driving your insured car with your permission is also automatically covered by your policy.
What Isn't Covered by Your Personal Auto Insurance?
Just as the name implies, personal auto insurance only covers the car/cars you use for your personal use. Any car you use for a commercial purpose is generally not included.
How Does Personal Auto Insurance work?
For every auto insurance policy you get, you pay a premium outlined in the policy in exchange for the company to pay the costs incurred by certain events pertaining to your vehicle.
At SJ Insurance Services we work with you to create the prefect auto insurance policy to protect you, your loved ones, and your prized possession. Feel free to reach out to us for a free quote!
