Auto Insurance
What Is Auto Insurance?
It is an agreement between you and your insurer in which you pay the insurance company a certain amount of money and, in return, the company will protect you from major financial losses due to an accident for a given period of time. Have you ever compared insurance rates with a friend or a family member only to discover your premiums are different?
Why Do You Need Auto Insurance?
Auto accidents can happen – even to the best drivers. Insurance can help cover repairs to your vehicle and medical costs. Insurance is your firewall against economic disaster should you cause an accident and there is property damage or injuries to other people.
What Is Auto Insurance Coverage?
An auto insurance policy is a package of several primary coverages. The coverages may vary depending on the state where you live. Your premium payment is the total of these separate coverages for a given period of time.
What Are The Coverages?
Bodily injury liability coverage – pays for bodily injury or death resulting from an accident for which you are at fault and provides you with a legal defense.
Property damage liability coverage – provides you with protection if your car accidentally damages another person's property. It also provides you with a legal defense. Medical payments, no-fault or personal injury coverage usually pays for the medical expenses of the driver and passengers in your car incurred as a result of a covered accident regardless of fault.
Uninsured motorist coverage – pays for your injuries and, in some cases,certain property damage caused by an uninsured or a hit-and-run driver. In some cases, underinsured motorist coverage is also included. This is for cases in which the at-fault driver has insufficient insurance.
Comprehensive physical damage coverage – pays for damage to your car from theft, vandalism, flood, fire, and other covered perils.
Collision coverage – pays for damage to your car when it hits or is hit by another object.
Why Should I Purchase From Ludovissy & Associates?
Most customers save money with us because we offer some of the most competitive rates around. We offer excellent customer service at three different locations servicing the Dubuque and surrounding areas and with 25 plus years experience, we are the trusted name when it comes to your insurance needs. Just ask your neighbor!
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No Obligation Quote
Please fill out the form below for a free, no hassle quote. Once
we receive your request, one of our specialists will contact you to
determine the best fit for your needs. This is a request for quote only
and does not bind coverage.
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