An auto insurance policy covers accidents, liabilities, medical expenses, property and vehicles. Other auto insurance policies offer protection from damages caused by weather disasters, collision with natural objects, or third-party vehicles.
No matter what the situation or circumstance, Locke Insurance Group knows the ins and outs of auto coverage to make sure you’re fully covered.
Kinds of Auto Insurance Coverage
Know your options.
Liability covers 2 types of liability: bodily injury liability and property damage liability. Bodily injury liability covers damages for injuries or deaths resulting from an accident in which you are solely at fault while property damage liability covers damages to someone else’s property caused by an accident that is solely your fault.
These are 2 types of medical coverage: medical payments coverage and personal injury protection coverage. Medical payments coverage covers medical expenses related to a car accident while personal injury protection coverage covers your treatment, lost wages, or other expenses related to the accident, even if you are solely responsible for causing the accident.
This policy can either include collision coverage or comprehensive coverage. Collision coverage covers damages when your car hits or is hit by another car while comprehensive coverage covers damages caused by theft, flood and other natural events.
Antique auto insurance covers special antique cars, classic cars, exotic cars, fire engines, and military vehicles. Different than typical auto insurance, a standard antique auto insurance policy will include coverages like agreed value coverage and spare parts coverage. Agreed value coverage covers the car’s actual value, while spare parts coverage covers spare parts that are not readily available.