Auto Insurance
All passenger vehicles must carry a minimal insurance policy to operate on the roadways. These policies are often referred to as Personal Injury Protection (PIP) or general liability policies. Operating any passenger vehicle without coverage is unsafe and against the law.
Additional types of coverage are available for passenger vehicles. In some cases, you may be required to carry more coverage on your vehicle if it is being financed.
Personal Injury Protection
Personal Injury Protection, or PIP, is the least amount of coverage you can have on your vehicle and operate it legally. This coverage will pay for medical costs, lost wages, and some personal property damage up to the policy's limit.
It is a great idea to have higher liability limits if you have any assets or high net worth. Call Truckers Insured today to discuss what personal auto policy is best for your situation.
If you live in an At-Fault state, PIP insurance only covers these expenses for the party that is not at fault for the accident. In you live in a No-Fault state, the policy will cover either party in an accident.
PIP insurance is available at many different payout levels. It is important that you get a policy that you feel provides you with the best protection. A low policy may not cover the expenses related to an accident which can lead to financial harm.
PIP insurance only provides coverage in an accident and may not cover the physical damages to your vehicle, depending on the policy.
Collision and Comprehensive
Collision and comprehensive insurance are the two types of coverage you are required to have when you finance a vehicle. Often called "full coverage," comprehensive and collision cover physical damages to your vehicle.
Collision coverage covers the damage to your vehicle when it has been involved in an accident. Comprehensive coverage protects your vehicle from damages that occur in other ways, such as severe weather, vandalism, or road debris. Comprehensive coverage also covers your vehicle if it is stolen, in a fire, or in a flood. This coverage also protects your windshield.
If you are not financing your vehicle, you may still want to keep this type of coverage if your vehicle is a high-value vehicle, such as a collectible car, sports car, or luxury vehicle.
Additional Vehicles
Depending on the policy you have, or the state you live in, you may have to add riders to your policy for the following vehicles:
Motorcycle
Personal Watercraft
RV of any size
If you regularly operate any of these vehicles, you should add them to your policy or select the right coverage to protect yourself and these vehicles in the event of an accident.
Truckers Insured Handles Personal Auto Insurance Policies
When you need to find the right auto policy for your personal vehicles, Truckers Insured is here to help. We offer a full line of insurance products to cover your personal insurance needs, including auto policies.
Our company works with several insurance providers, so we can find you the right policy for your needs.
When you need personal insurance products, business insurance, employee benefit insurance products, or any insurance for the trucking industry, you can rely on Truckers Insured to find you the best policies for the best prices.