While every type of insurance exists to protect people, auto insurance may be the most essential kind of insurance we have due to our reliance on cars and the risks associated with driving. As such, it’s important to have enough insurance to cover all the known and unknown risks that could result in a loss while we travel each day. Unfortunately, being underinsured is just as problematic as having no insurance whatsoever. Make sure you have enough auto insurance coverage so that you can avoid all of the following situations.

Property Damage

Liability is a part of any car insurance agreement that many people do not consider. Liability insurance covers any bodily harm or property damage that may be caused as the result of an accident that causes injury or damage to someone’s property. If you don’t have enough liability insurance coverage to cover damage, you may be responsible for paying the difference. If you are in an accident with an expensive car, then your out-of-pocket costs can get expensive, quickly.

Damage That is Not Caused by an Accident

Take a careful look at your current insurance policy. If a tree branch fell down onto your car, would you be covered for that? If you don’t have coverage for damage that results from weather damage, theft, or vandalism, then you are underinsured. With no insurance, you may have to tap your savings to cover the cost of repairing or replacing your vehicle. The solution to this problem is simple. You need the protection of comprehensive insurance coverage on your auto insurance policy.

Coverage for the Uninsured

Not everyone is a responsible driver. If an uninsured driver hits you, your damages may not be covered by their insurance. By adding uninsured motorist coverage to your policy, you ensure that damages caused due to a collision are more likely to to be covered by your auto insurance.

Driving is risky business. Fortunately, you don’t have to add to those risks by being underinsured. Stay safe on the road. Call Anthony Mercado Agency at (610) 530-2001 for a Orwigsburg auto insurance quote.