Motor vehicle accidents lead to more personal injury lawsuits than any other cause. Even if you don’t care if your car gets damaged or stolen, you need auto liability coverage to pay for any injury or property damage you might cause to others in an accident.
The personal auto policy (PAP) provides two main types of coverage: liability and collision and comprehensive damage. Part A, the liability portion of the policy, pays for an insured drivers’ liability for bodily injury or property damage they cause to another person while operating a covered vehicle. Every state requires auto owners to carry liability insurance.
Your premiums will depend on your vehicle’s type and cost and garaged location, along with your driving record and miles driven and the limits you choose. We can help you determine the right balance of protection and premium for your family.