Liability coverage Liability coverage covers damages for which you may be legally responsible as a result of a covered accident. This can include damage from injuries and damage to other people's property. Car insurance requirements vary from state to state, but every state requires some type of auto insurance or proof of financial responsibility. In general, state requirements typically include some level of liability coverage for bodily injury and property damage.
Some states may also require personal injury protection, collision coverage, comprehensive coverage, and coverage for uninsured or underinsured motorists. As a licensed Washington agency, Empire Insurance Brokers can ensure that your car insurance meets legal requirements. When it comes to car insurance, you'll have mandatory and optional coverages. For full protection, you need collision insurance and comprehensive insurance.
Collision insurance Collision insurance covers damage to your car after an accident with another vehicle. Rental reimbursement coverage If your car has to stay in the garage for an extended period after a covered accident, this coverage can help you pay for a car rental. Yes, you need coverage for uninsured drivers if you have health insurance and you live in one of the 22 states where insurance for uninsured drivers is required. Comprehensive insurance Comprehensive coverage helps pay for damage to your car that isn't caused by a collision, such as a weather event, an act of vandalism, or theft.
Similarly, underinsured motorist insurance applies when the at-fault driver has insurance but not enough to cover the policyholder's bills. However, the claim will be filed with your own insurance company and not with the other driver's insurance company. With Nationwide and Empire Insurance Brokers, you can get an auto insurance quote completely free of charge. Uninsured motorist coverage is an affordable policy option that generally only adds about 5% to the annual auto insurance premium.
As an independent insurance agency, we're committed to finding the best car insurance quote for your money. Uninsured motorist coverage is a type of car insurance that protects you after an accident caused by a driver who doesn't have liability insurance. Personal Injury Protection Insurance Personal injury protection insurance can help cover the cost of medical expenses and lost income that result from a covered accident. Property damage insurance for uninsured motorists is often taken out in conjunction with property damage insurance for underinsured motorists, which applies when the at-fault driver is insured but does not have enough liability insurance to cover the policyholder's expenses.
If your state doesn't require you to have coverage for uninsured drivers, then you should take out collision insurance, as it covers you after any accident, regardless of the other driver's insurance. If your car is damaged, the insurance company only pays for damages that exceed the deductible you selected.