What Does Auto Insurance Provide?

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   David Osgood

   Agent, Rural Mutual Insurance Co., Union Grove, WI

   That really depends on the type of policy that you have and the endorsements that you have with it. Auto insurance typically at minimum protects you from some financial hardship in case of an accident. If you have liability only coverage this provides coverage to pay for injuries sustained by persons in the other vehicle and coverage for property damaged in the accident up to the limits carried. Full coverage typically includes collision coverage which provides for payment of damage to your vehicle in an accident up to limits carried and other than collision that provides for vandalism, theft, and other things listed within the policy up to the coverage limits. Always remember every policy is different. Read your policy over fully to determine what is covered and how or contact your local agent to go over the coverage of your policy.

   Answered on April 17, 2013

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