Driving a car within Wisconsin comes with several requirements, including auto coverage. While not all policies are mandatory, they will be important in keeping yourself and your loved ones safe while on the road. Below, Ziegelbauer Insurance discusses the types of coverage to get.
Liability Coverage
Liability coverage takes care of property damage and bodily injury liability. Property damage liability will come in handy when you cause damage to other people's property, such as fences and vehicles. It covers the repair costs and replacement expenses as required. Bodily injury liability compensates you for 3rd party injury costs such as prescription and X-ray fees. This coverage can also help pay for your legal fees when you are sued.
Collision Coverage
Collision coverage protects you when you hit objects on the road or other vehicles. These include items such as fences, buildings, and poles. If this happens, collision coverage compensates you with the necessary repair and replacement costs.
Comprehensive Coverage
Comprehensive coverage takes care of damage to your car when weather hazards and non-impact accidents occur. These could be hail, fire, vandalism, and theft. It helps pay for vehicle repair costs and replacement when stolen.
Uninsured and Underinsured Coverage
Uninsured coverage pays for damage to your vehicle and hospital bills when a driver hits you with no insurance. An underinsured coverage option will be vital if you are hit by a driver whose coverage cannot cater to the complete extent of your bills. It ensures that your passengers are also covered, limiting additional costs.
Medical Payments Coverage
The medical payments insurance pays for your medical bills when you are involved in an accident. It also pays for your passenger's medical bills, allowing you to cover surgery, X-rays, and ambulance costs.
If you are interested in driving within Wisconsin, the above are some policies that will be worth your while. For more information and advice, contact Ziegelbauer Insurance today to get started on your auto coverage.