Auto Insurance Quote Forms
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Auto Insurance Information
Vehicle safety devices, such as airbags, can offer protection in accidents. However, auto insurance is the most significant defense a driver can have. Whether it’s an accident, a stolen vehicle or a vehicle that sustains damage, auto insurance helps provide drivers with financial security and potentially helps lighten damage costs.
What Is Auto Insurance?
Auto insurance is a contract between a vehicle owner and an insurance agency. In this agreement, the insurer helps assist a driver financially if there is an accident or another covered loss. The driver agrees to pay the insurer a premium in exchange for coverage. How much coverage the insurer can provide typically depends on the type of policy. Fusion Insurance can help you explore your auto insurance options to ensure you have optimal coverage.
How Does Auto Insurance Work?
After an accident or other covered event, and your claim has been filed, depending on how much you’re responsible for, you’ll receive a certain amount of money to help with your repair costs.
An auto insurance policy may provide these coverages, including:
Bodily injury liability coverage. This may pay for third-party medical bills and sometimes for death benefits.
Property damage liability coverage. This may pay for damage to the other party’s property.
Collision insurance. This coverage may cover damage to your vehicle that you sustained in an accident.
Comprehensive insurance. This coverage may pay for damage from non-accident mishaps, such as weather damage, fires, theft, vandalism or other incidents.
Medical payments coverage/personal injury protection. If you are injured in an accident, this coverage may pay for your medical bills. Sometimes this coverage may also cover other losses, such as lost income.
Uninsured/underinsured motorist insurance. This coverage may protect against damage caused by someone else who doesn’t have appropriate liability coverage.
Often, you can add additional supplemental benefits to a qualifying auto insurance policy. These may include:
How We Can Help
How much you pay for coverage will depend on several factors, including coverage limits, your vehicle’s value and driving history, where you live and your past claims history. Fusion Insurance can help you explore your auto insurance options to obtain the best coverage for you and your vehicle. Call us today at 844-7FUSION to get started.