It can often be expensive to pay for the costs of repairing damages arising from an automobile accident. This is especially true if anyone is severely injured and/or at least one vehicle sustains significant damage. An auto insurance policy can help you pay for these damages while also protecting you and other drivers on the road.
Auto Insurance Coverage In Peoria, Illinois
According to the U.S. Census Bureau, Peoria, Illinois has a population of 113,532 as of 2019. In 2019, there were 18 people involved in fatal motor vehicle accidents per 100,000 Peoria residents, per City-Data.com. This figure is unchanged compared to 2018, although it is higher than the number of persons involved in automobile accidents in 2017 (11 per 100,000 residents). Additionally, the figure for 2019 equaled the average number of people involved in fatal crashes in the entire state of Illinois that year.
Not all car insurance policies include the same coverage options. However, here are five essential coverages most Peoria, IL auto insurance policies have.
Bodily Injury Liability
Bodily injury liability coverage pays for damages suffered by third parties in the event of an automobile accident. This includes medical bills and loss of income. Like a majority of states, Illinois requires all motorists to have a minimum level of auto liability insurance.
Comprehensive Coverage
Comprehensive insurance covers damages to your vehicle that arise due to incidents over which you have no direct control. These events include weather-related disasters, (floods, hail, lightning, etc.) theft, vandalism, and accidents that involve animals. Comprehensive coverage does not generally pay for damages arising from crashes involving common road objects such as potholes.
Collision Coverage
This type of coverage pays for damages to both your automobile and other vehicles involved in your collision, no matter who is responsible for the accident. Collision coverage also pays the cost of repairing damages to your car due to an accident involving a tree or a pole.
Gap Coverage
Gap coverage helps you pay the difference between the total sum you owe on your vehicle and its actual cash value (ACV) following an accident. This amount is determined by using the automobile’s value at the time of the crash. Gap coverage is normally available as an optional addition to an auto insurance policy.
Uninsured Motorist
As its name suggests, uninsured motorist coverage will cover any car damages and medical bills that arise as a result of an accident with another driver who doesn’t have insurance. This coverage can also help pay the medical costs for any passengers who are 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 Peoria, IL auto insurance coverage. We will help you select a policy with coverage options that satisfy your unique needs and deductibles and premiums that meet your budget. Call Pro Insurance Group today at (833) 619-0770 or contact us online to request a quote.