Car Insurance Quote
Car insurance can help protect you from expensive, sometimes devastating surprises. Let's say you had a covert accident. As an insured driver, you can get help paying medical bills, repairs, certain legal defense costs and more.
Insurance coverage consists of two parts: the limit of liability covering damage to other people's property and injuries sustained; and the personal injury protection (PIP) limit that pays for your medical treatment if you are injured in an accident.
Here are some examples of how different levels of coverage can be applied:
If you cause serious injury in an accident that is not your fault, the $100,000 liability insurance will pay your policy's medical bills and they will lose revenue while they recover. If your policy includes $100,000 of PIP coverage and you were injured in the same accident, it will pay you $10,000 per person ($20,000 total) for all out-of-pocket medical expenses, saving you thousands of dollars. If someone else crashes into your car and causes an accident (for example), insurance companies will first pay policyholders' medical bills below their liability limit ($100,000). It will then pay a second time for the remaining costs under its PIPs.
Car insurance helps you protect yourself from these unexpected costs by providing protection against liability claims and physical damage to your vehicle.
What is car insurance?
Car insurance is a contract between you and an insurer where the insurer agrees to pay for losses due to events that are covered under the policy. When you purchase car insurance, you agree to pay the premiums in exchange for this promise by the insurer. The level of coverage will depend on what type of policy you buy and how much coverage it provides.