Personal Automobile Insurance
Auto insurance protects you against claims in the event you injure another person or damage someone’s property in an automobile accident involving the covered motor vehicle. You should purchase limits high enough to provide adequate protection for yourself and your family.
If you cause an automobile accident and do not have enough limits of insurance to cover your legal obligations, you could be held personally liable and would have to pay any debt incurred out of your own assets.
If a liability claim is filed against you, your insurance company will investigate it and decide whether it should be paid, negotiated, or defended in court. The insurance company will also pay the legal costs of settling the claim.
Uninsured/Underinsured Motorist Coverage provides benefits to you if a motorist who does not have insurance coverage or a motorist who is underinsured becomes legally liable for bodily injury sustained by you or for property damage to your vehicle.