The car insurance you choose will be made up of a few different policies that offer different types of coverage. That policies fall into two main categories -- one category covers you and your car and the other covers everything outside of your car.
You and Your Car
Comprehensive - Comprehensive coverage will take care of costs associated with a car theft or damage done to your car outside of an accident.
Personal Injury Protection - Personal injury protection will take care of the medical expenses of you and your passengers after an accident. If your injuries cause you to miss work, this policy could take care of lost wages.
Uninsured Motorist Coverage - If you get into an accident with someone who has no coverage or not enough coverage, this policy will help cover costs that their policy can’t.
Collision - Collision insurance will help fix your car after an accident.
Bodily Injury Liability - If you’re at fault in an accident, bodily injury liability will pay for the medical expenses of those you injured in the accident.
Liability Coverage - Liability helps cover the expenses of others if an accident is your fault. This only covers the expenses of those in the other car, not your passengers.
Property Damage Liability - If you cause an accident, property damage liability will pay to fix the damage done to the other car.
There are very few states that don’t require motorists to hold insurance, and most states require insurance minimums. However, a state’s required minimums aren’t always enough. If expenses are higher than the insurance you carry, you’ll be left with the remaining bill. Speak with your insurance agent about your specific needs, but a general rule is that you carry coverage equal to the total value of all of your assets, like your home, your car, and your savings.
J.K. Olivieri Insurance Agency, Inc. is an independent insurance agency founded in 1979 which represents a number of major insurance companies. Our mission is to protect our clients’ financial future. We feel our role as an insurance agency is to assist our clients in selecting the best possible programs to fill their specific needs. In doing so, we shall research and present our clients with the best possible programs available at the best possible prices.