As a car owner, you know that your vehicle is an investment. But it can be challenging to determine which auto insurance policy is right for you. After all, so many different policies with various coverage options are available. To ensure your car is adequately protected, you must understand what coverage you need and how much it will cost. Here are some of the options Karla Salmon Insurance can offer for Oviedo, FL residents.
All states require drivers to have liability coverage, which protects other people if they are responsible for an accident. Liability coverage includes two types of coverage: bodily injury liability and property damage liability. Bodily injury covers medical expenses for people injured in an accident that was your fault. Property damage covers any repairs needed for property affected by an accident (e.g., another vehicle or a building).
Collision coverage helps pay for repairs if you are involved in an accident with another driver or object (e.g., a tree or telephone pole). This type of coverage also pays for damages caused by flipping or rolling over your vehicle during an accident—something that’s not covered by liability coverage.
Comprehensive coverage pays for damages caused by something other than a collision, such as theft, weather-related events (e.g., hail damage), or vandalism (e.g., broken windows). This type of coverage also pays if your car is stolen or damaged while parked on the street or in a parking lot—something else not covered by liability insurance.
Uninsured/Underinsured Motorist Coverage
Uninsured and underinsured motorist coverage protects if you’re involved in an accident with someone who does not have sufficient insurance to cover all damages incurred during the accident—or no insurance at all! This policy also covers lost wages due to accidental injuries and medical bills resulting from an uninsured driver’s negligence.
If you’re looking for reliable auto insurance policies in Oviedo, FL, contact Karla Salmon Insurance today!