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Auto Insurance 101

When you purchase auto insurance, you agree to pay your premiums and in return, your insurer pays for damage or loss that’s covered by your policy. Auto insurance is required in nearly all states.

There are different types of auto insurance coverage:

Liability: If you’re found at fault for an accident, liability coverage reimburses you for damage to your vehicle, medical expenses for others in the vehicle, and legal fees.

Comprehensive: If your car is damaged by something other than a collision, like hitting an animal, objects falling on the car, theft, fire, or vandalism, comprehensive coverage will pay for the repairs or replacement.

Collision: Your collision coverage reimburses you for damage or loss as a result of hitting another car or object, like a telephone pole or another person’s property.

Medical Expenses: Also called “med pay,” medical expenses insurance covers the medical bills for you and others in the vehicle at the time of the accident, regardless of who is found at fault.

Uninsured/Underinsured Motorist: If you’re in an accident with a driver who is found at fault but doesn’t have adequate insurance coverage, your uninsured/underinsured coverage reimburses you for your loss. It also covers hit-and-run accidents.

Rental Car Reimbursement: If you need a rental car while your car is in the shop, this coverage will pay for it.

Roadside Assistance: If your car needs to be towed, you have a flat tire, or your battery is dead, roadside assistance pays for those services.

How much does auto insurance cost?

The cost of auto insurance depends on your policy coverage and limits, the make and model of your car, and your driving record. Request a quote and we’ll find you a great price on the coverage that’s right for you.

Want to know more about auto insurance? Contact Kelly Miller Insurance Associates at (916) 652-3100 or email info@kellymillerinsurance.com.

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