Minimum Liability Coverage South Bend Indiana IN
Reader’s Question:
I’ve been driving around South Bend Indiana IN for some time without incident, thank goodness. But I’ve been receiving advice from well-meaning friends to add comprehensive coverage to my auto insurance policy. How do I decide whether to stick to my minimum liability coverage, or have comprehensive coverage or whatever in addition?
Bradley
South Bend, IN
Hello, Bradley. Your well-meaning friends in South Bend Indiana IN know something that you probably don’t know yet. I could sense it because you can’t tell if you have a need for comprehensive coverage on top of your minimum liability coverage on your auto insurance policy.
Let me help you by increasing your auto insurance knowledge a bit. What you have now is an auto insurance policy in South Bend Indiana IN that complies with the minimum requirement under Indiana state law. It is a 25/50/10 liability coverage which is apportioned as follows in the event you’re found at fault in an accident: $25,000 per injured person up to $50,000 per accident, and $10,000 property damage. Your existing coverage is for injuries you cause to other people and damage to other people’s property. If you’re injured and your car is damaged, this coverage does not pay you.
Here’s where you need additional coverage on your auto insurance policy, something not required by law but is of great value to you. To get financial protection for your own personal injury and property damage, comprehensive coverage is not the solution. It’s collision coverage for the damage on your car, and MedPay (medical payments) for injuries sustained by you and/or your passengers.
You can get auto insurance premium quotes in South Bend Indiana IN for these coverage by entering your zip code on the form provided on this page.
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