Driving a car is a necessity for many, and it is important to have insurance if you get involved in an accident. Basic auto insurance covers the cost of fixing or replacing your own vehicle after you are involved in an accident with another vehicle or object. It also will pay for injuries and damage done to other people’s vehicles and property, such as mailboxes and fences that result from accidents.
Examples of Basic Auto Insurance Coverage
* Bodily injury costs such as hospital costs, doctor costs, and loss of income
* Property damage costs
* Personal injury protection benefits
* Coverage for your legal costs in case you get sued
Many other coverages can be included in basic insurance. For example, if you use your car for business purposes, having commercial auto coverage is a good idea. Personal umbrella insurance may also be a wise investment to protect yourself from major liability issues on top of the property damage and bodily injury offered by standard auto insurance coverage in Illinois.
Disadvantages of Standard Auto Insurance
Certain things are not covered by standard insurance. Therefore, it is important to know the difference between what is covered and what isn’t. For example, there may be a deductible or out-of-pocket cost for your property damage after an accident. Also, suppose you cause an accident with another car. In that case, there is no coverage for injuries to people in the other car unless they have purchased Personal Injury Protection (PIP) benefits separately.
Find out more about auto insurance coverage in Illinois. Get an instant quote with Accurate Auto Insurance online today.