Auto Insurance can sometimes be very frustrating for consumers because of the many regulations involved and the variety of coverages available. Schultheis Insurance understands this and wants to help consumers make educated and cost-effective decisions regarding insurance coverage. Below you will find a list of the most commonly asked questions regarding Auto Insurace. If you don't find an answer to your question below, please contact us and one of our agents will be happy to assist you.
Auto insurance provides financial protection in the event of a loss. Most states require proof that you can pay for injuries or damages caused by the use of your auto. An insurance policy can protect you from depleting your financial resources if you should have an accident. Along with the expense of repairing or replacing your vehicle, you may also be liable for paying or someone else’s car or property and their medical expenses. You may also have medical expenses yourself for other passengers in your vehicle. Consequently, the ultimate benefit of carrying auto insurance is to have the peace of mind it provides you and your family.
Bodily Injury: Protects you from the expenses which you may be legally obligated to pay for injuries sustained by others involved in the accident. This coverage also provides for defense costs if a lawsuit is brought against you.
Property Damage: Pays for damages to the property of others which you may have caused.
Medical Payments: Covers expenses for injuries sustained by you and other occupants of your car at the time of an accident.
Comprehensive Coverage: Provides coverage for damage to your vehicle by any cause other than Collision or Upset. Examples would be: damage caused by hail, vandalism, animals and falling objects.
Collision or Upset Coverage: Provides coverage to your car for damages caused by a collision with another vehicle or object or the upset of your vehicle.
Towing and Labor: Provides payment for the cost to have your vehicle towed to a repair shop or storage facility.
Rental Reimbursement: Reimburses you for rental costs when your vehicle is disabled due to a Comprehensive or Collision loss.
Uninsured/Underinsured Motorist Bodily Injury: Provide coverage to you for injuries which you are legally entitled to recover from the owner or operator of an uninsured or underinsured motor vehicle or from a hit-and-run motor vehicle.
Uninsured Motorist Property Damage: Provides coverage for property damage you are legally entitled to recover from the owner or operator of an uninsured vehicle which damages your own vehicle.