An automobile accident can sometimes be expensive to repair, especially if at least one person was severely injured and one or more vehicles sustained significant damage. Therefore, it’s critical to obtain auto insurance in order to avoid paying these costs entirely out of pocket. In addition to saving you money, this type of insurance policy will also help protect you and other drivers on the road.
Auto Insurance Coverage In Naperville, Illinois
According to the U.S. Census Bureau, Naperville, Illinois has a population of 147,501 as of 2019. That year, there were 9 people in Naperville involved in fatal car accidents per 100,000 residents, according to City-Data.com. This marks a substantial increase compared to the number of persons involved in fatal crashes in 2018 (3 per 100,000 population).
Not all car insurance policies include the same coverage options. However, here are five essential coverages most Naperville, IL auto insurance policies have.
Bodily Injury Liability
Bodily injury liability insurance covers damages to third parties that arise after an automobile accident, including medical bills and loss of income. Like most states, Illinois has passed laws that require all motorists to have a minimum level of liability insurance.
Comprehensive coverage pays for damages your vehicle sustains as a result of incidents you cannot directly control. This includes damages resulting from weather-related disasters, (hail, floods, etc.) theft, vandalism, and striking an animal. Comprehensive insurance does not typically cover damages caused by accidents involving potholes or other common road objects.
Collision coverage helps pay for damages to both your automobile and other cars involved in your accident, regardless of who caused it. If you crash into a tree or a pole, the resulting damages can also be covered by collision insurance. If you decide to finance or lease your vehicle, your lender may require you to carry this type of coverage.
Gap coverage is designed to help you pay the difference between the total sum you owe on your vehicle and its actual cash value (ACV) following an accident. The ACV is calculated by using your car’s value at the time of the crash. Gap coverage is typically available as an optional add-on to an auto insurance policy.
As its name suggests, this type of coverage will pay for medical bills and vehicle damages in the event of an accident involving a driver who does not have auto insurance. Uninsured motorist coverage can also pay medical bills for any passengers injured in your crash.
Reach Out To An Experienced Illinois Auto Insurance Agency
Speak to the experienced agents at Pro Insurance Group for more information about Naperville, IL auto insurance. We will work tirelessly to ensure you choose a policy with coverage options that satisfy your unique needs and premiums and deductibles that meet your budget. Call Pro Insurance Group today at (833) 619-0770 or contact us online to request a quote.