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If you have recently thought about purchasing a vehicle or getting auto insurance within Ft Meyers, FL, understanding the various insurance options on the market will be an essential part of your journey. Below, Martin Insurance Team explains different auto policies to consider looking into.
Liability Coverage
Liability coverage comprises two components, with the first being bodily injury liability. This covers costs related to 3rd party injuries when you are found liable for an accident. The second is property damage liability that caters to other parties’ costs of vehicle repairs and replacement.
Medical Payments Coverage
A medical payments policy takes care of your medical costs when you are injured in an accident. This policy also covers your passengers, allowing them to offset any treatment costs and examination fees.
Comprehensive Coverage
Comprehensive coverage comes in handy when your vehicle is damaged during non-collision accidents. These include instances involving fire, theft, hail, and vandalism. Depending on the damage caused, your comprehensive policy allows you to take care of your replacement or repair expenses.
Collision Coverage
As the name implies, collision coverage is designed to help you pay for damages arising from collision accidents. If you hit another vehicle during your drive, this coverage ensures that your vehicle replacement or repair costs are covered. It also comes in handy when you hit objects such as fences and posts.
Uninsured and Underinsured Coverage
If you are hit by an uninsured driver whose coverage cannot pay for your treatment or vehicle damage costs, uninsured coverage will help you offset these expenses. Underinsured coverage kicks in when you get into an accident with a driver whose insurance is not enough to pay for your medical or vehicle damage costs.
If looking for auto coverage designed to protect you and your vehicle, Martin Insurance Team is the partner you need. Call us today for auto insurance designed with Ft Meyers, FL needs in mind.
