Auto Insurance Coverage

Protect Your Automobile - Today

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle. Contact us Diedrich Family Insurance Agency to discuss the best coverage for your particular situation.

Auto Insurance Requirements

Auto insurance requirements vary by state. In Wisconsin, to drive, you must carry:

• Liability coverage - to pay for losses you cause others.
  
• Uninsured motorist coverage - to pay for losses in the event that the other driver is both legally responsible for the accident and is not insured.

Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes the coverage options below.

Types of Coverage

Bodily Injury Liability Coverage

Insures you against certain damages if you injure someone or cause a fatality while operating your automobile. This coverage also may provide you with a legal defense if another party in the accident files a lawsuit against you.

Property Damage Liability Coverage

Insures you against certain damages caused to another person’s property while operating your vehicle. This coverage may also provide you with a legal defense for such claims if another party files a lawsuit against you.

Medical Payments

Choose options to cover medical costs incurred to you or your vehicle occupants after being involved in an accident regardless of fault.

Uninsured / Underinsured Motorist Coverage

Just in case you are involved in an accident where the other driver either doesn’t have any, or enough, insurance to cover your needs, we have options to make sure you are taken care of, no matter the circumstance.

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident regardless of fault. Standard collision coverage will pay for any repairs up to the fair market value of your car. It usually comes with an insurance deductible, which is the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance

Comprehensive insurance covers damage done to your vehicle in some way other than a collision, such as theft or vandalism. Animal impact, hail, flood, hurricanes, windshield damage, and fire are also events usually covered by comprehensive car insurance. Like collision insurance, comprehensive insurance will pay up to the fair market value of your car (less your insurance deductible). And although it’s not legally required by any state, you will probably need it if your car is financed.

Every person is unique - contact us today to find out how to get the best price and value on auto insurance for you.