With a lot of different companies and coverage choices to choose from, auto insurance can be confusing. At Buckeye Insurance Group, we want to make your insurance experience less intimidating. Selecting the right coverage for you 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. In the event of an accident, the limits of 25/50 indicate that there is a $25,000 maximum limit of coverage per person involved and a $50,000 limit per accident.

Evaluating the total value of your assets can help you assess the limits needed to protect your savings in the event of a claim that exceeds your insurance policy maximum benefit.

Property Damage coverage is the maximum limit 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. In the event of an accident, you’ll want to ensure that your Property Damage limit is sufficient for damages that could occur.

When evaluating this selection, it’s important to recognize that you will be personally responsible for any cost exceeding your limit.

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 if 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”

For example, if you hit a deer and there was damage resulting from that event, this would be partially covered under the comprehensive coverage limit. The same applies if there is a hailstorm that causes damage to your car that is parked outside. Comprehensive coverage requires a deductible. This is the out-of-pocket amount you pay before Buckeye covers the remainder.

The collision deductible indicates the amount you would be responsible for if you collided with another object or vehicle. After that deductible is met, Buckeye would help to cover the rest of the damages.

By not choosing comprehensive and collision coverage, you risk incurring additional, unexpected costs. Without these coverages, Buckeye will not pay for a loss to your vehicle if damages result from either of the above situations or similar events.

• What is the age of my vehicle?
• What amount can I self-insure my vehicles for, should damages occur?

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!