She Will Insurance offers a wide variety of options for your auto insurance needs. Here are some of the plans available to discuss with an agent when you give us a call.
Liability is the most basic coverage, and what the state requires of you as a vehicle owner and driver. This will protect you from any damage or injuries that you are responsible for. If you drive too closely to another car, taking out their side mirror, your liability coverage will pay for the damage done to the other car. If you are at fault in an accident where someone is injured and acquires medical expenses, your insurance will cover the bills. Should you back into your friend’s garage door, liability also covers damage done to their property.
The two types of liability coverages available would be Bodily Injury (BI) and Property Damage (PD)
This coverage is the next step up from liability. Comprehensive coverage offers protection from many types of non-accident damage to your vehicle such as theft, fire, windshield damage, weather damage, vandalism, fallen trees, etc. Another good use for comprehensive would be if you plan to store your vehicle. You can save money by taking off the liability coverage since you won’t be driving, and only purchasing comprehensive. This will cover damage and theft, without the cost of liability.
Uninsured & Underinsured Motorist
Uninsured coverage will protect you if you are involved in an accident with an at fault driver who does not have liability coverage. Underinsured protects you from an at fault driver whose liability limits are too low to cover the damage or medical expenses incurred.
You will probably be required to have collision coverage if you are leasing or financing your car. With this option, your car will be repaired or replaced after an accident with another vehicle or object such as a tree or post.
Give us a call, and we will discuss the best options available for your needs.