Auto Insurance
Auto insurance not only insures you in case of an accident, but also your financial well-being in the future. The choices you make could affect you for the rest of your life. In fact, on average 40,000 people die each year of car accidents and is leading cause of deaths of people aged less than 35.
Car insurance offers different coverage types depending on what coverage the you purchase :
Liability*
Liability coverage is offered for bodily injury (BI) or property damage (PD) for which the insured driver is deemed responsible. Property Damage includes other cars, fence posts, buildings, signs, etc involved in accident .
Uninsured/Underinsured Motorist ( UM/UIM )
This provides coverage if an at-fault party either does not have insurance, or does not have enough insurance.Your insurance company pays your medical bills, then would subrogate from the at fault party.
Medical Payments
This coverage pays medical, and even funeral expenses for you and members of your family and passengers in your vehicle, if it is involved in a collision regardless of who caused the accident. It also covers you as a pedestrian if you are hit by a vehicle.
Collision
It provides coverage to damage done to the insured vehicle when it collides with another vehicle or an object. Collision coverage is optional, however if you plan on financing a car or taking a car loan, the lender will usually insist you carry collision for the finance term or until your car is paid off.
Comprehensive
This covers damage to your vehicle that are not considered collisions, for example, fire, theft, vandalism or damage caused by a storm.
Other Miscellaneous Coverages such as Towing and Rental Car Reimbursement.
Feel free to email us at info@kelschinsurance.com or call us at 309-652-5940 for further information. For quotes, please fill out the Auto Insurance Quote form and one of our representative will be right at your service.
*- Required by every state law.