No matter how carefully you drive, accidents happen.
That’s why if you own a car, the law says that you must have auto liability insurance. While carrying car insurance may be a legal requirement in almost every state, it’s also the smart thing to do — because without coverage, the financial impact of an accident could be devastating.
State laws also require drivers to carry a minimum amount of coverage. However, car accidents can cost much more than state-mandated coverage limits. In 2010 alone, motor vehicle crashes cost more than $99 billion in medical care and productivity loss, and that’s not even counting the cost of vehicle damage. Even if you’re not found responsible for an accident, costs add up quickly.
Auto Insurance Coverage Options
Pacific Unified Insurance offers personal auto insurance policies that are personalized to meet your specific needs. Policies may cover injuries as well as damage to your car and can include:
- Collision – Protects against vehicle damage caused by an accident, regardless of who is at fault
- Other Than Collision (also called Comprehensive) – Protects against damage caused by events like theft or fire
- Bodily injury liability – Helps cover injuries to the driver or passengers of the other car if you’re at fault
- Property damage liability – Helps cover damages to others’ property if you’re at fault
- Un/underinsured motorist coverage – Helps cover medical bills and repairs if an accident is caused by a driver with no or inadequate insurance
- Medical expense coverage – Helps cover the cost of medical care for you and your passengers after an accident, regardless of who is at fault
- Personal injury protection – Helps cover the cost of lost income, medical bills and other damages after an accident, regardless of who is at fault (applicable only in no-fault states)
- Rental reimbursement – Covers the cost of renting a car if your insured vehicle is damaged or stolen
