The road ahead is often filled with unforeseen events. Accidents can occur when least expected. Rutledge Insurance Group will ensure you have the AUTO INSURANCE coverage you need. We are able to offer affordable solutions while making sure you are protected. Contact us today to help in your selection of the policy options and determine how to best meet your needs and budget.
Types of Coverage
COMPREHENSIVE AND COLLISION
Comprehensive and Collision coverages pay to repair or replace your auto if it is stolen or damaged in an accident, regardless of who is at fault. For each coverage, you select a deductible that you pay out of pocket. Your insurance company pays for the remaining damage up to the limits you select.
With Collision coverage, your insurance company pays for damage to your auto when you collide with another vehicle or object. If you hit a car, a pole or another nonliving object, Collision coverage will apply.
With Comprehensive coverage, your insurance company pays for damage to your auto caused by an event other than a collision, such as fire, theft or vandalism. If you hit an animal, or if your auto is flooded or stolen, Comprehensive coverage will apply.
BASIC LIABILITY COVERAGE
Liability insurance is composed of the following coverage types:
- Bodily injury coverage – pays for injuries suffered by others in an accident you caused.
- Property damage coverage – pays for damage you cause to another person’s property (typically their vehicle) in an accident.
UNINSURED AND UNDERINSURED MOTORIST COVERAGE
The Insurance Research Council (IRC) estimates that 1 driver out of every 7 drivers in the United States is currently uninsured.
To protect law-abiding drivers, uninsured motorist coverage will help with costs associated with injuries after being involved in a car accident with an uninsured driver.
Uninsured motorist property damage covers damages to your vehicle and/or other property caused by an uninsured driver in an accident.
In some cases, a driver might have some liability insurance but not enough to cover your injuries and/or damages. Underinsured motorist coverage can be used to offset the costs.
If you prefer, call us as needed at 321-525-6157