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Car Insurance Isn’t Just About Cars

2022_10_11 Auto Insurance

We understand that auto insurance is about more than just insuring your car—it is about protecting how you live your life. That is why we are here to help you find the best coverage for your life and budget.

Auto Liability Coverage

Auto liability coverage is the backbone of all auto insurance. It offers coverage for things like bodily injury, pain and suffering, and lost wages, along with the damaged property of the other party, when you cause an accident. When you look at your liability coverages, you will see three different limits: Bodily Injury per Person, Bodily Injury per Occurrence, and Property Damage Liability.

  • Bodily Injury per Person is the maximum amount of money that one person could get from your insurance company for their injuries. Typically, we recommend at least a $250,000 limit.
  • Bodily Injury per Occurrence is the maximum, total amount of coverage the insurance company could pay for all of the other parties’ injuries resulting from a single occurrence, no matter how many people are involved and / or injured. Typically, we recommend at least a $500,000 limit.
  • Property Damage Liability is the maximum amount your insurance will pay for damage to others’ property, such as other vehicles, guardrails, street signs, buildings, and mailboxes, that you may have damaged because of an accident.

Uninsured and Underinsured Motorist Coverage

Uninsured and Underinsured Motorist coverage will provide reimbursement to you if you are hit by an uninsured driver OR a driver who does not have sufficient insurance to pay for your injuries and / or damages. The limits for this protection should be the same as your auto liability coverage, discussed above.

While it is normally a state requirement for all drivers to carry liability insurance on their vehicles, sometimes people let their policies lapse or are carrying the state minimum limits which are very low and may not cover your bodily injury or property damage. This coverage can also apply to “ghost motorists” or hit and run incidents. In most states, Uninsured and Underinsured Motorist Property Damage has a deductible of $200.

Now is a great time to review your auto policy. If you don’t already have your auto insurance with Preferred and would like a quote, please submit a request on our Personal Insurance Quote Request Form. Our personal service, local agents, and competitive rates are three reasons to work with Preferred. Plus, when you bundle your auto, home/renters, and qualifying life insurance with ERIE Insurance, you could save up to 25%.

Please know that we are here to guide you through the confusing maze of insurance options to find the right fit for you, your family, and your business.

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