Auto Insurance

Having the right auto insurance policy can help protect you financially if you are involved in an accident or your vehicle is damaged. An auto insurance policy is designed to provide you with a layer of protection against property, liability and medical costs following an accident. But choosing the right auto insurance can be overwhelming. Reach out to our agency today to learn more about auto insurance and find the policy that’s right for you.

What Do Auto Insurance Policies Cover?

Depending on the policy you choose, your coverages will vary. Here are some of the most popular coverages:

• Collision insurance—This portion of your policy helps cover damage costs if you are involved in a collision.

• Liability insurance—If you are at fault in a wreck, this type of coverage helps insure you against any damage you cause others. Most states, including Pennsylvania, require drivers to carry minimum amounts of liability insurance. There are two kinds of coverage included in liability insurance:
  • Property damage liability—This coverage helps pay for damage to the other driver’s property (e.g., their car).
  • Bodily injury liability—This coverage helps pay for medical bills and sometimes death benefits for the other person involved in the wreck.

• Medical payments (MedPay) insurance—This portion of your policy helps you pay for the medical bills of you and your passengers if you are involved in an accident.
• Uninsured/underinsured motorist insurance—This type of coverage helps you cover the cost of damages caused by someone who doesn’t have adequate auto insurance, specifically liability coverage.

• Comprehensive insurance—This portion of your policy covers damages that are not related to a wreck, such as theft, weather damage or vandalism.

There may be additional coverages that will be necessary based on your unique situation. Be sure to ask our agency how we can tailor your auto coverage to your needs.

Does My Policy Cover Rental Cars?

At times, your own vehicle may be unavailable or insufficient for certain tasks. Fortunately, when renting a car, you can often rely on your auto insurance policy to carry over coverage. If you have third-party liability coverage, comprehensive coverage and collision coverage, you often will not need to purchase separate insurance for a rental vehicle, as the aforementioned components can apply to your temporary ride.

Still, you should talk to your insurance agent before assuming that you’re adequately covered under an existing personal auto policy. In some cases, such as if your rental is significantly more valuable than your owned vehicle, your coverage will be insufficient, and you’ll want to purchase additional protection.

Does My Insurance Cover Vehicle Theft or Vandalism?

If you have comprehensive coverage, yes. This component of your auto insurance policy focuses on noncollision incidents and can help you recoup losses should your vehicle be stolen or vandalized. In these situations, you may need to contact law enforcement officials and obtain a copy of a police report to submit a claim against your policy.

How to Get Auto Insurance

Valera Agency is committed to helping you find a policy to fit your specific needs. Reach out to us today to start the conversation or to get a quote.