We know that if we buy a car, we need insurance, and this leaves us seeking affordable options to protect ourselves and our families. This can be a daunting task if we do not understand the basics behind the different types of coverage. Meeting with an insurance agent to discuss policy options is a good idea, and Todd Davis Insurance Group offers the expertise to help select the appropriate coverage options. As a resident of Kansas, there are requirements for minimum liability coverage including $25,000/$50,000 for bodily injury and $25,000 for property damage, plus personal injury protection and uninsured/underinsured protection.
Bodily injury liability is what covers us should we cause an accident that injures or causes the death of someone else. The $25,000 covers one person while the $50,000 covers any other additional persons involved in the accident. This coverage pays for medical expenses, funeral expenses, and legal fees if we are found at fault.
Property damage is the amount paid to repair damage to the property of another should we cause an accident. This includes another person's vehicle but also includes other items such as a fence or building front.
Personal injury protection covers our passengers and us under our own policy should we be injured in an accident, regardless of who is found at fault. It can include items such as medical expenses, funeral expenses, and lost wages that result from an accident.
Uninsured/underinsured protection covers us should we have an accident with someone who has elected to break the law and drive without insurance, or who have not purchased insurance with enough coverage to pay for the damages they have caused.
Collision and comprehensive protection are required if we want to protect our own automobile from the damage we have caused, as the Kansas state minimum requirements do not protect us or our automobiles. Collision refers to coverage in an accident, and comprehensive covers damage caused by events such as falling trees, hail storms, or fire. If a car is being financed, the lending company will require collision insurance.
Now that the basics of automobile insurance are understood, it is time to call Todd Davis Insurance Group to find the best policies and rates for our insurance needs. Reach out to our agents to have your questions answered and get a quote, or try our online rating tool for a quote from home.