Understanding Champaign Auto Insurance

Five Essential Types of Car Insurance CoverageUnderstanding Champaign Auto Insurance

If you own a vehicle, you are required by law to have it insured. You may wonder what is so important about auto insurance in Champaign County that not having it would result in legal consequences. When you understand auto insurance, you have a clearer idea of why it is so important for you and your family.

Bodily Injury Liability

If you injure another driver in a car accident, their medical bills can be staggering and you are responsible. Auto insurance in Champaign County protects you from loss incurred from paying their bills.

Property Damage Liability

Similar to bodily injury, property damage liability insurance pays for the repair bills for a vehicle that you may have damaged in an accident. Without this insurance, you would have to pay their mechanic out of pocket, which can add up quickly.

Medical Coverage

When you insure your own vehicle with medical coverage, you protect yourself from having to pay for huge medical bills if you or one of your passengers is injured.

Uninsured Motorists

There are some drivers who choose to drive without insurance, leaving you to deal with all expenses caused by an accident. When your policy includes coverage for uninsured motorists, the insurance company pays for any injury treatments that you may require.

Without auto insurance in Champaign County you are not only breaking the law, you are leaving yourself vulnerable to great financial loss.

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