You may have an idea of the mandatory policies required for Easton, MD drivers, but do you know what these policies cover? In addition to this, optional policies also come with different features, all providing protection for different emergencies. Before signing up for any cover, understanding the various auto insurance options on the market will be an essential part of your coverage journey. Below, Ashley Insurance explains the different auto coverage options to be on the lookout for.
Liability coverage protects 3rd parties from bodily injury liability and property damage liability. With the state being an at-fault region, you will be required to cover the costs of other parties’ injuries when you cause an accident. In addition to this, you will also be mandated to cover any property damage costs that other parties incur when you cause an accident. Liability coverage helps you pay for these costs, acting as an ideal protection mechanism when you are on the road.
Medical Payments Coverage
Medical payments coverage takes care of your medical expenses when you are injured in an accident. Your passengers are also protected by this coverage, allowing them to offset any hospital bills they incur due to bodily injury.
Collision coverage helps you pay for costs for collision accidents when you hit objects on the road or other motorists. This policy ensures that you get compensation for your vehicle repair and replacement costs.
Comprehensive coverage comes in handy when you get into non-impact accidents. These can be instances involving hail, theft, vandalism, and fire accidents. Comprehensive coverage allows you to cover your repair or replacement costs when these incidents occur.
Uninsured/Underinsured Motorist Coverage
Uninsured coverage protects you when you get into an accident with an uninsured motorist and will compensate you for your injuries and vehicle repair and replacement costs. If, on the other hand, you are hit by a motorist whose cover is insufficient for covering your injuries and vehicle damages, underinsured coverage will help you pay for these costs.
Whether you are a first driver interested in purchasing auto insurance or need to renew your Easton, MD cover, call Ashley Insurance today for tailor-made auto insurance.