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Auto Insurance: The Basics You Need to Know

Auto Insurance: The Basics You Need to Know

Car and traffic accidents are more common than you think. Last year alone, the number of road-related accidents in Minnesota increased by up to 6% from the previous year. This makes getting auto insurance in Minnesota very important to help keep your finances safe.

If you don’t know anything about auto insurances, knowing the policy components is a good place to start. Consider what you need before getting into an agreement with an insurance agency in Rochester, Minnesota.

  • Bodily Injury Liability
    This part should be the most important as it covers the cost if you or a family member driving your car causes injury or death.
  • Property Damage Liability
    This covers the damage you caused. This can apply to the other car or even damaged properties like buildings or utility poles.
  • Medical Payments or Personal Injury Protection
    This reimburses you and your passengers’ medical expenses. This also covers lost wages and funeral costs.
  • Collision
    This pays for the damages to your car that’s caused by a collision with another car or object. It also covers damages caused by a pothole.
  • Comprehensive
    This compensates you in cases of car theft or damages that are not caused by a collision.
  • Uninsured and Underinsured Motorist Coverage
    This covers for you if you or your family member is hit by someone without auto insurance.

Safechoice Insurance Agency is a trusted independent insurance agency in Minnesota that can help you find a suitable policy. Talk to us!

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