Understanding Auto Insurance

At Great Northern Insurance Agency, we offer low-cost auto insurance plans for those living in and around the Chicago area. We can offer low down payments and budget plans that work for you. Our customer service agents can help you find the right coverage to fit your driving lifestyle, but to help you better understand the ins and outs of auto insurance, we have created this article. Here you will find the auto insurance basics that way you know what you need when choosing your coverage.

Mandatory Insurance Coverage

Almost every state requires a driver to be covered by liability coverage. This coverage will include Bodily Injury Liability and Property Damage Liability.

Bodily Injury Liability insurance covers the medical bills for treatment of injuries that are sustained in the accident. The only people covered in this type of insurance, are the people in the other car. You are not covered by liability insurance.

Property Damage Liability insurance covers any property that is destroyed or damaged by your vehicle. This can include other cars, bicycles, fences, or even buildings. Your car and your property are not covered in this type of insurance.

Other Required Insurance Coverage

Many states only require liability coverage. However, there are other states that require your automotive insurance plans to be more inclusive. These types of coverages include Personal Injury Protection, Uninsured Motorist Coverage, Underinsured Motorist Coverage.

Even if these are not required, they are a good idea to consider. Personal Injury Protection will cover the medical expenses sustained by you and any of your passengers should an accident occur. Some policies can even cover your lost wages if your injury requires you to be out of work.

Uninsured and Underinsured coverage will pick up if a person hits you that does not have proper insurance coverage.

Options

There are a few other things that can be added to your policy:

  • Collision-This will cover your damaged vehicle if you were to be in an accident.
  • Comprehensive-This will cover damages that are not caused by an accident like vandalism or theft.
  • Glass-This will cover broken or cracked windshields or windows.

As you can see, there is a lot to consider when it comes to getting your automotive insurance plan. Chicago’s Great Northern Insurance Agency can walk you through your policy choices. You will be sure to get the coverage you need when you contact us!

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