Types of Auto Policies
Not all Rock Hill auto insurance coverage is the same, even if the terms used by the various insurance companies that you are speaking to are the same. The names of the coverage options may change slightly, but you can expect to see the following options when you buy an auto insurance policy.
General liability: This insurance helps protect a covered driver who is legally liable in an accident that results in injury or death to others.
Uninsured motorist: Helps protect you and all other passengers who are injured or killed in an accident involving a legally liable uninsured driver. (Uninsured Motorist Coverage for Property Damage is also available in certain states – ask your auto insurance agent about this).
Property damage liability coverage: Helps protect a covered driver who is legally liable in an accident in which another person’s property is damaged.
Underinsured motorist: Helps protect you, covered family members and your covered passengers who are injured or killed in an accident involving a legally liable underinsured driver.
Medical payments: Provides coverage if you and any other of your passengers receive medical treatment, services or products for bodily injury caused by a covered accident.
Collision: Collision coverage provides coverage for loss to an insured auto due to a collision with another vehicle or object – minus your deductible, of course..
Comprehensive: This coverage provides coverage (less your deductible) if your car is stolen or damaged due to a covered “non-collision” loss, such as falling objects, fire, vandalism and others.
Extra coverage options: Towing insurance and rental insurance are commonly purchased extra coverage options for those seeking auto insurance Rock Hill.
One other thing to consider is that owning a business may allow you to reduce your premiums by combining risk management Rock Hill services to your agent relationship.
