With a lot of different companies and coverage choices to choose from, insurance can be confusing. At Buckeye Insurance Group, we want to make your insurance experience less intimidating. Selecting the right coverage for you all begins with some important basics.
It’s important to understand how coverage limits work in the event of a claim so that you aren’t surprised by unexpected out-of-pocket costs. Your local agent can help you select the right coverage.
Selecting your limits of liability for Bodily Injury determines how much your insurance will pay if you and others are injured in an accident.
Property Damage coverage is the maximum limit that we will pay for physical injury to, the destruction of, or the loss of use of others' tangible property in the event of a claim.
Medical Payments coverage is in place to assist with medical expenses that arise for you or the passengers in your vehicle.
If an accident were to occur with an individual who doesn't have insurance, you become responsible for the costs. By choosing Uninsured/Underinsured Motorist Coverage, you will be protected if the individual's insurance coverage is not adequate for the amount of loss or there is no coverage at all.
Your Comprehensive and Collision coverages exist to extend your coverage protection to your vehicle. This is often referred to as "full coverage".
By not choosing comprehensive and collision coverage, you risk incurring additional, unexpected costs. Buckeye will not pay for loss to your vehicle in the event that damages result from either of the above situations or similar events.
When deciding whether or not to select these coverages, you should consider:
By understanding the basics of auto coverages you can make decisions that will best protect you, your loved ones, and your assets.
For help in determining which coverage selections are the best for you, contact a local agent today!