Legacy Insurance Agency - Auto Insurance

Liability Coverage 

There are two types of liability coverage - coverage for Bodily Injury and coverage for Personal Property. Most states require you to carry a minimum amount of liability coverage, or post a bond, to register your vehicle or obtain a driver's license. If you’re legally responsible, or “liable” for damages, Liability coverage helps pay for them. Legally required for drivers in almost every state, Liability coverage includes Bodily Injury and Property Damage coverage, which pay for someone’s medical expenses, personal injuries, and property damage if you’re at-fault.

Collision Coverage

If you hit something like another vehicle or a fixed object like a guard rail, lamp post, or telephone pole, Collision Coverage helps pay for the damages to your car.

Comprehensive Coverage 

If your car is broken into, or dented in a hail storm, Comprehensive Coverage would help cover the losses to your car. Sometimes called “Other Than Collision” or “Fire and Theft,” Comprehensive covers losses from things other than an accident, like vandalism, riots, floods, hail, fire, animal collisions, and theft.

Uninsured/Underinsured Motorist Coverage 

These days, about 1 in 8 drivers are completely uninsured…and about 30% of drivers don’t have enough insurance. That’s why it’s important to consider Uninsured/Underinsured Motorist Coverage.

 It provides Liability (Bodily Injury and Property Damage) coverage for you, if an uninsured or underinsured motorist is at fault in an accident. 

Medical Payments 

If you or anyone in your car is ever hurt in an accident, Medical Coverage can pay for their medical expenses. 

Personal Injury Protection (PIP)

PIP is similar to Medical Payments coverage, but it covers a wider range of costs. It can help pay for medical and rehabilitation expenses, work loss, funeral costs, and even replacement services. Many states require drivers to carry a minimum level of PIP coverage. When deciding on your Auto insurance policy or making changes to your coverage, it’s important to understand what each option does, and how it would work if you ever needed it. Some coverages are required by your state, while others are extra options you may want to expand your coverage. How you’d like to customize your Car insurance depends on your needs, budget, and the amount of coverage you want. Get an insurance quote to choose the coverage combinations that provide the best Car insurance coverage at a price that fits your budget.