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
every state requires a driver to be covered by liability coverage.
This coverage will include Bodily Injury Liability and Property
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.
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
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
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
and Underinsured coverage will pick up if a person hits you that does
not have proper insurance coverage.
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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