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Auto Liability Insurance Quote Forms
Auto Liability Insurance Information
Auto insurance can help provide financial protection if an incident or accident triggers legal liability for injuries or property damage. Depending on your needs, you can also purchase additional policies and endorsements to help extend your auto insurance coverage.
Contact Samco Agency in Wood Dale, Illinois, to learn more about your auto insurance options and get a personalized quote.
What Is Liability Car Insurance?
Liability car insurance helps pay for someone else’s property damage or injuries following a covered accident. The insurer pays for damages up to the policy’s limits. Your agent may recommend purchasing more liability coverage than the minimum amount required by your state’s laws.
What Does Liability Car Insurance Cover?
Liability insurance can help pay for medical bills related to third-party injuries sustained in an accident. It may help cover legal fees or lost wages if the injured party files a lawsuit.
Liability insurance policies also help pay to replace or repair third-party property damaged in an accident. It may help cover the other party’s vehicle damage and other property damaged in an accident, such as fences, utility poles or other structures.
Do I Need Auto Liability Insurance?
Illinois drivers must be covered by liability insurance to help cover third-party property damage and bodily injuries after an accident. The state uses Electronic Insurance Verification to verify that vehicles registered in Illinois are covered by appropriate insurance.
Your agent may recommend purchasing additional auto insurance coverage to help protect your vehicle. Comprehensive and collision coverage helps pay for damage to your vehicle and is typically required by your lienholder if you finance or lease your car. Your lienholder may also require that you purchase gap coverage, which helps bridge the gap between the total amount you owe a lienholder and your insurer’s settlement if an accident renders your vehicle a total loss.
Your agent may also recommend adding medical payments (MedPay) to your auto insurance policy. MedPay helps handle accident-related medical bills for you and your passengers, no matter who is at fault.
Liability auto insurance policies have limits, and many agents recommend that their clients purchase umbrella insurance to help provide additional liability coverage across all insurance policies. Umbrella insurance kicks in when a claim exceeds the limits of your other liability insurance policies.
How to Get Auto Liability Insurance
Auto liability insurance is the cornerstone of a solid auto insurance policy. Since auto insurance is highly customizable, it’s crucial to work closely with your agent to determine which coverage is right for your situation.
Contact Samco Agency today to get appropriate auto insurance at a great rate.