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How Can Auto Insurance Protect You?

auto insurance - 2

A car or truck is often your biggest asset aside from your home. Auto insurance protects against potentially crippling financial losses and the sheer inconvenience of being without transportation.

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Transportation Expenses/Rental Coverage

Risk Factor: When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle. This will allow you to get you to and from your daily responsibilities without any interruption.  Vehicle rental can get expensive, especially over an extended period of time.

Solution: Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy. This can help to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident.  This coverage is available in a variety of daily limits.

Property Damage Coverage

Risk Factor: When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property.  Usually this means damage to someone else’s car, but it can really be any property damaged by your vehicle.

Solution: Property damage coverage protects you if your car damages someone else’s property, such as another car, a fence, or building front.  When choosing your property damage liability limits, you should consider all of you assets, including your home and future earnings. If you don’t have enough coverage to protect all of your assets, they could be at risk if you’re liable for damages exceeding your coverage limit.  Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.

Uninsured/Underinsured Motorist Damage Coverage

Risk Factor: What happens when the driver who hit you doesn’t have enough liability coverage?  Or, even worse, takes off?  According to the Insurance Research Council, this happens more than you might expect.  In fact, it is estimated that one in seven drivers go uninsured.  This leaves you to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution: Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage

Risk Factor: Your automobile can be a fairly costly investment.  An investment that is exposed to many potential losses caused by weather related events, theft, and other circumstances out of your control.

Solution: Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object, or if your vehicle is stolen.  This coverage is optional if your vehicle is paid in full, but you should consider it if you want to fully protect your vehicle.

Bodily Injury Liability Coverage

Risk Factor: It’s easy to get distracted while driving.  All it takes is an incoming text message, fussy baby, or changing the radio station and your eyes are off the road. That one second is long enough to crash into the slowing vehicle in front of you.  As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution: Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of lability you select.  Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued.  You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Medical Payments Coverage

Risk Factor: Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars. A large portion can end up being out-of-pocket expenses not covered by your health care plan.

Solution: Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident. It doesn’t matter who is at fault. In most states, it’s an optional addition to your car insurance policy.


Remember, not all auto insurance is created equal. Let’s discuss yours.  Contact a risk advisor at the location nearest to you. We’ll review your information and find the appropriate car or truck insurance solution.  There’s no obligation, just good-old-fashioned advice.

Contact us!

Do you need a quote?  Click here!  Or call one of Risk Advisors at the location closest to you. We know you still have questions, and we are ready to answer them.

AMERY: 715-268-6624

CUMBERLAND: 715-822-3355

FOREST LAKE: 651-464-2168

OSCEOLA: 715-294-2510

PRESCOTT: 715-262-3216

STILLWATER: 651-430-0085


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