Auto insurance is a unique type of monthly expense, in that the state of Iowa requires that you carry this coverage. In order to operate your vehicle legally, you will need to budget in this monthly expense. First Choice Insurance Services offers reliable auto coverage for you and your family. Keep reading to learn more about the importance of automobile insurance coverage and how we can help you stay legal.
Why Is Auto Insurance Important?
Operating a vehicle puts yourself and others at a risk. The speed and weight of a vehicle naturally create a certain level of risk. This level of risk warrants a certain amount of protection for the drivers in the event that there is an accident. In most cases, an automobile accident is an expensive event. There will be damage to one or both vehicles. There are also often injuries involved in an accident as well. These expenses often fall to the responsibility of the one who caused the accident. These expenses could leave you financially vulnerable in the event that you caused the accident. Insurance kicks in to pay these expenses so that this does not happen to you.
What Does Car Insurance Cover?
Most auto insurance policies will carry general coverages which include:
Liability Coverage- Liability coverage is required by the state of Iowa to operate a vehicle. This coverage will payout to the other person in the event that you cause an accident. This does not payout for damages to your car or injuries you may receive.
Personal Injury Protection- This type of coverage will pay out if you are injured because of an accident you caused. This will cover the medical expenses you incur.
Comprehensive/Collision- This type of coverage will pay out if there is damage to your car during an accident you caused, if your car is damaged some other way, or if your car is stolen.
If you would like to learn more about auto insurance, please call our friendly staff today at First Choice Insurance Services.