Copeland Insurance

888-291-7593

Auto insurance provides the coverage you need to be on the road.

Discover how auto insurance functions to safeguard both you and your vehicle while driving.

Protect Your Essential Vehicle

Your car or truck is often one of your most valuable assets next to your home. We’re here to help you secure the insurance coverage you need, tailored to fit your budget.

Understanding Minimum Coverage Requirements

Auto insurance policies vary widely in terms of coverage. While some simply meet legal mandates by covering damage you cause to other vehicles in accidents, insurance in no-fault regions may extend to protecting your own vehicle. Additionally, legal requirements typically stipulate coverage for certain medical expenses resulting from car accidents.

Questions to Consider

– What level of coverage is legally required in your state or region?
– Do you need additional coverage beyond the minimum legal requirements to protect your vehicle comprehensively?
– How can auto insurance help mitigate financial losses and inconvenience if your vehicle is damaged or stolen?

Bodily injury liability coverage assists in covering your financial responsibility for injuries to another person resulting from an auto accident, up to a chosen limit.

Uninsured/underinsured motorist coverage can provide compensation for bodily injuries and lost wages if an uninsured or underinsured motorist causes an auto accident.

Enhance Your Auto Insurance with Additional Coverage

Expand your auto insurance coverage to safeguard your vehicle against various risks. Beyond basic protection, these policies can cover theft, fire damage, and accidents involving only your vehicle. You can also opt for coverage that protects against damage caused by uninsured drivers.

Considering Auto Insurance for Your Vehicle?

Interested in securing comprehensive auto insurance for your car or truck? Contact us today to explore the range of coverage options available.

Bodily Injury Liability Coverage

Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Physical Damage Coverage

Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Medical Payments Coverage and Personal Injury Protection

Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.

Solution

Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage

Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Property Damage Coverage

Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.

Solution

The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Rental Coverage / Loss of Use

Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Auto insurance offers essential coverage for your time on the road.

Find Your Coverage

We’re here to help you explore your coverage options

Contact Copeland Insurance Agency

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Let’s Get Started

STEP 1

Fill out the form.

STEP 2

Review your options with us.

STEP 1

Get the coverage you need.

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