Auto Insurance
Surrounded by picturesque landscapes, Jerome, Idaho, is a community where residents hold their vehicles in high regard, just like their scenic surroundings. However, driving adventures also bring the responsibility of safeguarding your investment. Accidents, theft and adverse weather conditions can strike unexpectedly. That’s where auto insurance becomes essential. It can provide the financial protection you need to ride with confidence.
At Prescott & Craig Inc., we understand that navigating insurance options can be challenging, but our team is here to guide you toward the policy that best suits your needs.
What Is Auto Insurance?
Auto insurance is a contract between you and the insurance company that can provide financial protection against losses resulting from accidents or other damage to your vehicle.
What Do Policies Cover?
Auto insurance policies can provide coverage based on the policy you choose. Common coverages may include the following:
- Collision insurance—This may cover damage to your vehicle resulting from a collision.
- Liability insurance—This may cover losses you cause to others, including:
- Property damage liability—This may pay for damage to another party’s property.
- Bodily injury liability—This may cover medical expenses and death benefits for others injured in an accident you caused.
- Medical payments insurance—This may cover medical bills for you and your passengers.
- Uninsured/underinsured motorist insurance—This may provide coverage if you’re hit by an at-fault driver without adequate insurance.
- Comprehensive insurance—This may cover non-collision-related incidents such as theft, weather damage or vandalism.
Why Do I Need Auto Coverage?
Auto insurance serves several important purposes:
- Legal requirement—Many states, including Idaho, mandate that drivers carry minimum liability insurance.
- Financial protection—It can help cover repair or replacement costs if your vehicle is damaged.
- Liability coverage—This can protect you against financial loss if you are responsible for an accident that causes injury or damage to others.
- Medical coverage—This can assist in paying for medical expenses for you and your passengers after an accident.
What Types of Vehicles Are Covered by Auto Insurance?
Auto insurance can typically cover:
- Passenger cars
- Trucks
- SUVs
- Vans
Specialized coverage options may also be available for other automobiles, such as motorcycles and motorhomes.
How to Get the Right Coverage
Prescott & Craig Inc. is dedicated to helping you find the right policy. Contact us today to start the conversation or to get a free quote.