Auto Insurance
Auto insurance protects you against financial losses created by accidents, theft and other driving-related incidents. It provides different coverage options, including liability insurance, which covers injuries or damage to others for which you’re liable.
What Does Auto Insurance Cover?
Specific coverage can vary by policy, but may include:
- Collision coverage—Covers damage to your car caused by a collision, regardless of who is at fault. It includes the cost of repairing your car or providing monetary compensation to cover your losses.
- Comprehensive coverage—Protects you against theft or other damage to your car caused by events other than collisions. This may include damage caused by wind, falling objects, fire, water or vandalism.
- Uninsured/underinsured motorist (UM/UIM) coverage—Pays for medical expenses if you or your passengers are injured in an accident caused by a driver who lacks insurance (uninsured) or has insufficient coverage (underinsured).
- Medical Payments (MedPay)—Covers treatment for injuries to you and your passengers, regardless of fault, including injuries sustained as a pedestrian hit by a vehicle.
How Much Is Auto Insurance?
Insurance companies consider several factors in calculating your insurance premiums, including your driving record, claims history, location, gender, age, marital status, vehicle make and model, and credit score. To understand how these factors affect your auto insurance costs, reach out to Dan Smith Insurance Agency Inc. in Victorville, California, and request a quote.
Is Auto Insurance Important?
Auto insurance offers financial protection and liability coverage, ensuring your investment is secure following an accident. Dan Smith Insurance Agency Inc. offers a wide range of flexible products and personalized services and is committed to providing each customer with the best insurance experience possible. Contact us today to discuss tailored coverage options for you and your vehicle.