Coverages

Bodily Injury Liability

If someone is injured or killed in an accident, bodily injury liability insurance provides protection for you and your family. If another party files a lawsuit against you, this type of insurance coverage provides for legal defense.

Bodily injury coverage provides protection for people, and does not cover damage to your vehicle.

Property Damage Liability

If your car damages someone else’s property, property damage liability can protect you. It also provides for legal defense if someone files a lawsuit against you for damaging their property.

Uninsured Motorists Coverage

Uninsured / underinsured motorist coverage pays for any injuries that may be caused if you are in an accident with an uninsured or underinsured driver. This is important coverage to have, because there are many uninsured motorists out on the road.

Medical Payments

Provides coverage for medical expenses for any passengers in your vehicle and injured drivers.

Comprehensive Physical Damage

Usually helps pay for losses that are not caused by a collision. This type of coverage often covers damage from theft, vandalism, and damage caused by flood or fire.

Collision Coverage

If your car hits or is hit by another vehicle, collision coverage will pay for the damage.

Rental Reimbursement

Following an accident, you may find that you need a rental car while repairs are made to your vehicle. Rental reimbursement will usually pay for a rental vehicle (up to $25 a day) for vehicles that are rendered inoperable by an accident that is covered by your collision or comprehensive coverage.

SR-22 Car Insurance Policy

High-risk drivers or drivers who have been previously cited for driving without proof-of-insurance may need to establish SR-22 coverage before they can reinstate their driver’s licenses. In order to reinstate a revoked license, drivers will be required to purchase the minimum liability coverage required by their state.

Contact Us Today

For help determining what type of coverage is best for you, contact the Indiana auto insurance experts of Insure on the Spot today at 1-888-972-SAVE.