The limits that you select are the most that we will pay in the event of a loss. Even though liability coverage is advisable and often required, there are many irresponsible drivers who do not buy insurance. If an uninsured motorist causes an accident, you will not be able to recover any damages that you sustain. However, if you purchase uninsured motorist insurance, your insurance company will pay you for the property damage and bodily injury. It will cover you, family members, and anyone else occupying an insured automobile. The limits for this coverage are usually the same limits that you selected for liability, although you can choose lower limits.
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There are also times when a person who causes an accident has liability insurance, but your damages exceed the limits of that person’s coverage. In some states, underinsured motorist coverage is included in your uninsured motorist coverage. In other states, you can purchase underinsured motorist insurance, which covers your excess losses up to the limit set forth in the policy. Liability coverage extends to you, your spouse, and any resident family member for the ownership, maintenance, or use of any car, pickup, or van unless specifically restricted by your policy. Put simply, liability auto insurance pays for injuries and/or damages that you cause to someone else in an accident. Most state laws require that you carry a minimum amount of liability insurance. Of course, we recommend that you carry much more liability car insurance than the minimum. Otherwise, if the injuries and damages are severe, you might end up paying for them out of your own pocket. One of our agents will be happy to recommend the right amount of auto liability insurance for you. Collision insurance is defined as losses you incur when your automobile collides with another car or object. For example, if you hit a car in a parking lot, the damages to your car will be paid under your collision coverage.