While there are a range of car insurance policies offered by numerous agencies, not every policy is mandatory. Requirements vary on a state-by-state basis. Some expect you to have several boxes ticked while some will let you off with the bare minimum with respect to insurance policies. Safeco car insurance policies are a good bet because they offer you the flexibility you need to pick options based on your needs and requirements. Most states expect you to have bodily injury and property damage liability insurance for your vehicle. The former helps with payment when it comes to bodily injury expenses, such as hospital bills and medical care if needed. This covers costs that you may be demanded to pay if you cause an accident that injures a driver or their passengers.
On the other hand, property damage liability assists you in paying the other person’s vehicle in the event that you damage it in an accident. In addition, some states expect you to possess coverage that could pay for hospital bills for you and your passengers as well, regardless of who is at fault. Further, some states demand that you protect yourself and your passengers from drivers who are either uninsured or underinsured. For further details, consult your local independent agent for the right policies that are in accordance with state rules. This ensures that you are covered for every situation, without overspending on an auto insurance policy.
Additional Car Insurance Needed In Some States
Three more essential car insurance policies that some states require you to have are as follows:
- Personal Injury Protection (PIP)
- Medical Payments (Med Pay)
- Uninsured/ Underinsured Motorist (UM/UIM)
A personal injury protection policy assists you when it comes to paying for hospital bills for you and your passengers in case an accident occurs. This policy will come in handy regardless of who was at fault at the time of the accident. Further, the medical payments policy works in the same manner, handling your medical care expenses. Even if it isn’t mandatory in your state, it’s a policy that is a worthwhile investment. You can add it yourself with the help of your independent agent. Some Safeco car insurance policies cover the aforementioned coverages.
The uninsured and underinsured motorist policies pay for damages that you are entitled to recover legally from a driver in these circumstances:
- An accident by a driver without liability insurance
- A hit-and-run driver
- An amount that exceeds an at-fault driver’s insurance limit
Basically, these policies cover you when the other person doesn’t have enough or doesn’t have the right insurance. Adding it for your own protection is a good idea, especially if your region is known for people who don’t invest in a sound auto insurance policy. Picking the right packages can mean the difference between hefty losses and cutting down the damages incurred because of an accident. Pick options based on your requirements and those of the state you currently live in. Invest in solid auto insurance policies today!