Get a quote from one of our experts at Bird’s Eye Insurance to determine how much you can save on your auto insurance. We’ll review various types of coverages that best suit your needs.
Covers damages you cause to others: If you’re at fault in an accident, liability covers damages you cause. That could mean damage to other vehicles, property (mailbox, street sign, house, etc.), or even other drivers/passengers injuries. Plus, liability covers you if someone sued you over an accident.
Covers damage to your vehicle: Collision & Comprehensive coverage are two separate coverages. Collision covers damage that you cause, such as at fault accidents. Comprehensive covers incidents out of your control: theft, vandalism, hitting an animal, fire, acts of nature, and glass damage.
Covers your injuries and damages: If UMN is split into two coverage sections. One that covers your injuries (bodily Injury) and another that covers your vehicle’s damage (property damage). Both kick in if a driver hits you and doesn’t have insurance or enough coverage to pay for your losses.
Covers your injuries: Helps pay for medical costs if you, your passengers, or your family are injured in an accident. This coverage can be beneficial even if you have health insurance, as there is no deductible you have to meet before we pay out.
Covers rental car fees: Pays for your rental car fees while your vehicle is being repaired from a covered loss . That means damages we or another insurance company are paying for and does not include situations such as general maintenance.
Besides what’s listed below we have a much wider range of coverage options available for your auto insurance needs. If you have any questions don’t hesitate to contact your local agent to find more.
Auto insurance protects you financially in case of accidents, property damage, or injuries caused while driving. It’s legally required in most states and ensures you’re not left paying out of pocket for unexpected events. More than just a requirement, it gives you peace of mind knowing you’re covered on the road.
A deductible is paid out of pocket before your insurance kicks in. Choosing a higher deductible can lower your premium, but it also means you’ll pay more upfront if you file a claim.
Liability limits determine how much your insurance will pay for injuries or damage you cause to others. Selecting limits that adequately protect your assets in a serious accident is important.
Comprehensive coverage helps protect your vehicle from theft, vandalism, fire, falling objects, or natural disasters. This type of protection ensures you’re covered even when the unexpected has nothing to do with another car.
Personal auto insurance typically helps cover costs related to accidents, vehicle damage, and liability for injuries or property damage. Policies often include coverage for collisions, theft, vandalism, and certain unexpected events. The exact protections depend on the coverage types and limits selected in the policy.
In most places, drivers are required to carry a minimum level of auto insurance to legally operate a vehicle. These requirements are designed to help ensure that drivers can cover damages or injuries they may cause in an accident. Having proper coverage also helps protect you financially if an unexpected incident occurs.
Some personal auto insurance policies may extend coverage to rental vehicles used for temporary transportation. This can include certain types of liability and physical damage protection depending on the policy. It’s always a good idea to review your coverage or speak with an insurance professional before renting a vehicle.
Many insurance providers offer discounts when multiple policies are combined with the same company. Bundling auto insurance with other policies can often simplify coverage and reduce overall costs. These savings can vary depending on the policies included and the insurance provider.
Uninsured and underinsured motorist coverage helps protect you if you are involved in an accident with a driver who has little or no insurance. This coverage may help pay for certain expenses related to injuries or damages caused by the other driver. It provides an additional layer of financial protection when the responsible party lacks adequate coverage.
