Auto Insurance in Springdale, AR
Whether you own, rent or lease a car, you need auto insurance; this coverage is a legal requirement in nearly every state. Moreover, if you’re in a car accident, this insurance can help financially protect you and your passengers from costly medical expenses, property damages and other expenses.
Obtain auto insurance with a company you can trust. Contact Variety Insurance in Springdale, Arkansas, to get started with one of our auto insurance agents today.
What Is Auto Insurance?
Auto insurance, commonly known as car insurance, is a legally binding contract between you and your insurance company. In exchange for your premiums, your insurance company will pay covered losses up to your policy limits and in accordance with your policy terms. Sometimes, you will have to pay a deductible—an out-of-pocket cost—before your insurance coverage kicks in.
What Does Auto Insurance Cover?
What your car insurance policy covers will vary depending on how much coverage you have. In order to meet minimum state requirements, you will likely be required to purchase the following coverage:
- Property damage liability may pay for property damage you cause to a third-party while driving.
- Bodily injury liability may cover expenses (e.g., legal fees, medical bills) arising from third-party injuries or deaths you cause behind the wheel.
Although liability coverage might be enough to meet state requirements, it may be insufficient to cover your expenses if you’re in an accident. Even when it’s not required, you may want to consider purchasing additional types of auto insurance.
What Does Auto Insurance Cover?
Here are some common auto insurance options you may be able to add to your insurance policy as an endorsement:
- Collision coverage—Regardless of who’s at fault, this coverage can help cover property damage arising from collisions with vehicles or objects.
- Uninsured/underinsured motorist coverage—This coverage can assist with paying expenses if you’re in a car accident with another driver who doesn’t have enough coverage.
- Comprehensive coverage—This coverage may pay for damages to your vehicle caused by noncollisions.
- Medical payments coverage (MedPay)—After a car accident, this coverage may cover the cost of medical care for you and your passengers.
Contact Variety Insurance to learn more about the auto insurance solutions we can provide.
How Do I Buy Auto Insurance?
We’re here to help you find car insurance you can feel good about. Contact Variety Insurance to learn more about our car insurance coverage and to get started with a free insurance quote today.