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Pays for damage to your car caused by an impact with another vehicle or object, or during a rollover.
Pays for damage caused by hazards other than collision, such as fire, theft, explosion, windstorm, hail, water or impact with an animal.
This helps cover costs if you are hit by someone without insurance, or minimal coverage.
This level is not advisable, but it is better than not having any insurance at all. It is not enough to pay for serious injuries or replace a newer car. If you can’t afford more, than state minimum is enough coverage for you to drive legally.
If you don’t have a lot of assets, don’t drive much and are on a tight budget, you may want to consider this level of coverage.
If you have a steady income, with a typical level of savings, this level of coverage may be adequate. Once you have bought the basic levels, you’ll find that this does not increase exponentially for this level of better coverage.
If you own an expensive home or have saved regularly, you may be worth more than you realize. Our existing clients also find supplementing even at this high level of coverage with an umbrella liability policy. By doing so, extends their protection by $1 million or more. It’s relatively affordable.