Many people wonder why car insurance is such a big deal. With auto insurance, you do not need to worry about the financial fallout that could occur in the event you are in a car accident. If you live in or near Emmaus, PA, Patrick McNealis Insurance and Financial Group can provide you with auto insurance to protect you from a possible mishap.
Did you know driving without car insurance in 48 states is illegal?
This requirement encourages people to drive with caution and safety.
If you are in an accident or if your vehicle is stolen, the result could be a lot of money spent needlessly. Not having insurance to cover the resulting damage can result in hefty fines or even jail time. Drivers need the protection auto insurance provides.
Collision and comprehensive coverage are not required if you drive an older vehicle or one that is paid off. But everyone, regardless of the age of their care or if it is paid off, is required to have liability coverage to cover any injury to another person.
Types of auto insurance you can purchase:
- Bodily injury liability is designed to pay medical costs for another if you injure them in an accident where you were at fault.
- Collision coverage pays for damage to the driver’s vehicle or property. This includes damage caused by a collision with another car or hitting an object such as a lamppost.
- Comprehensive coverage reimburses you for theft, loss, or damage to your car caused by an incident other than a collision, such as hail, hitting an animal, fire damage, or a falling object.
- Uninsured/Underinsured motorist coverage protects you in an accident where the driver at fault does not have enough insurance coverage or no insurance coverage.
Let the insurance professionals at Patrick McNealis Insurance and Financial Group review your coverage to ensure you are adequately protected. Contact our office today.