Personal Auto Insurance
At Hendrix Insurance we offer industry leading Auto Insurance policies at competitive prices to the entire Highland area. We are committed to helping you find the right policy for you, at the right price.
Two Must-Have Auto Insurance Features
When you are looking for auto insurance, there are simply certain features of a good and efficient plan that you must not compromise on. This is because these features provide you with key coverage that will come in handy in an accident. If you remember only one thing with regard to car insurance, be certain to keep in mind that the two must-haves are bodily injury and also property damage liability. Car insurance without these two essentials is practically meaningless and will deprive you of the coverage that you require. Bodily injury covers a persons legal liability for a covered accident that is characterized by injury to another individual. Property damage liability is characterized by damage to another persons property.
Bodily injury coverage is one of the two main kinds of components of any good auto insurance. Having bodily injury coverage as part of your car insurance means that you are insured against any injuries at all that are caused against another person. It is coverage that works to compensate the motorist of another vehicle and also its passengers if you happen to get into an accident. Note that any passengers riding with you will also be covered. This coverage comes in standard increments that symbolize how much coverage you possess for every person in an accident, including an added restriction for every accident. Let us say that you purchase bodily injury that is worth $100,000/$300,000. This means that every person you injured can be compensated $100,000, yet the people being compensated can't get more than $300,000 for one accident.
Property Damage Liability
Property damage liability coverage is characterized by it paying for any damages to the vehicle and the belongings of the other party if the accident was your fault. This encompasses not just both the parts and the labor expenses connected to the auto accident, but also replacements for any valuable belongings that may have been inside of the car, assuming that those valuables were ruined. Additionally, this liability coverage is also extended to include the replacement or repair of any and all stationary objects that you might hit in the course of the accident. This can include, for instance, objects such as a tree or even the mailbox of a family. Property damage liability is a part of insurance coverage that every person really needs. It is a very good investment to purchase property damage liability since chances are that you are not a very rich person who can afford to pay out-of-pocket for any property damage that might turn out to be your own fault.
These two kinds of auto insurance are absolute must-haves in any good policy. Fail to include them in your auto insurance purchase at your own risk because, if you do not have both of these, paying out of your own pocket in an accident that turns out to be your own fault can get very pricey for you. As a result, it is much better to invest in these two kinds of coverage than to be on your own when you cause an accident.
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