Auto insurance is a critical safety net that offers financial protection in case of accidents, theft, or vehicle damage. It also covers liabilities for injuries or property damage you may cause while driving. From basic liability coverage to comprehensive plans that protect against a wide range of risks, Tooher-Ferraris Insurance Group offers a variety of coverage options to meet your needs.
Collision coverage offers financial protection for your vehicle if it’s damaged in an accident, regardless of fault. It also covers collisions with stationary objects like guardrails or trees.
Tooher-Ferraris Insurance Group offers various additional coverages to enhance your protection. These include roadside assistance, towing and labor, rental car reimbursement, new car replacement, custom parts and equipment, and gap insurance.
Comprehensive coverage goes beyond accidents to protect your vehicle from various non-collision incidents. It is particularly important for those living in areas prone to extreme weather, high crime rates, or wildlife encounters.
Despite legal requirements, some drivers don’t carry sufficient insurance—or any insurance at all. Uninsured/Underinsured Motorist (UM/UIM) coverage protects you in these scenarios. This coverage is designed to cover:
Medical Expenses: If you’re injured in an accident caused by a driver without insurance, UM/UIM coverage pays for your medical costs.
Vehicle Repairs: It also covers repair costs if an uninsured driver damages your car.
Hit-and-Run Incidents: If you’re the victim of a hit-and-run, UM/UIM coverage can apply, ensuring you’re not left covering the costs alone.
Personal Injury Protection (PIP) is required in some states. Often called “no-fault” insurance, PIP covers medical expenses for you and your passengers, as well as additional costs like:
Lost Wages: PIP compensates for income lost due to injury, helping you stay financially stable while recovering.
Rehabilitation Costs: It covers ongoing treatments, including physical therapy.
Childcare and Household Assistance: PIP can cover associated costs, such as hiring help if you cannot manage daily activities due to injury.
Liability coverage is the foundation of any auto insurance policy and is typically required by law in most states. It includes two key components: bodily injury liability and property damage liability.
Bodily Injury Liability: This covers the medical expenses, lost wages, and legal fees of other people injured in an accident for which you’re at fault.
Property Damage Liability: This coverage pays for repairing or replacing other people’s property if you’re responsible for an accident. Given the high costs of modern vehicle repairs and property damage, adequate liability limits are crucial to prevent financial strain in case of a serious incident.
Note: State laws vary regarding the minimum amounts of liability coverage required, but it’s advisable to carry higher limits to protect yourself from costly lawsuits and settlements fully.
At Tooher-Ferraris Insurance Group, we understand that every driver’s needs are different. That’s why we offer customized policies that cater to your unique driving habits, vehicle type, and budget. Whether you’re looking for basic coverage or more extensive protection, we’ve got you covered.
Contact us today to get a free quote. With our personalized approach, experienced agents, and a wide range of coverage options, you can drive with confidence knowing you’re fully protected.
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