It can often be expensive to repair damages to your car or another driver following an accident. This is especially true if at least one person involved in the crash suffered severe injuries and/or one or more vehicles were substantially damaged. These costs will also be particularly high if you lack auto insurance. The average cost of auto insurance varies by state, but the reality is that this type of protection is required in most states.
Auto Insurance Coverage In Springfield, Illinois
In Springfield, Illinois – which has a population of 115,888, according to the U.S. Census Bureau – there were 31 individuals per 100,000 people involved in fatal automobile accidents in 2019 per City-Data.com. This figure is significantly higher than the average number of persons who were involved in fatal crashes in the entire state of Illinois in 2019 (18). It also marked a sharp increase from the same figure for Springfield in 2018 (17 persons per 100,000 residents).
Not all car insurance policies include the same coverage options. However, here are five essential coverages Springfield, IL auto insurance policies have.
Bodily Injury Liability
Bodily injury liability coverage will pay for any damages sustained by third parties as a result of the collision, including loss of income and medical bills. Most states require drivers to carry bodily injury liability insurance.
Comprehensive Coverage
Comprehensive insurance is designed to pay for damages your automobile sustains due to events other than a typical accident involving another vehicle. This type of coverage generally pays for damages resulting from weather-related events, (hail, flooding, lightning, etc.) vandalism, theft, or hitting an animal. The cost of towing your vehicle to a mechanic after a flat tire or breakdown is not covered by comprehensive insurance.
Collision Coverage
Collision coverage helps pay for damages to your vehicle and other automobiles involved in your crash, regardless of who is responsible for the accident. If you crash into a pole or a tree, the resulting damages will normally be covered by collision insurance.
Gap Coverage
As its name suggests, gap coverage is designed to help you eliminate the balance between the total amount you owe on your vehicle and its actual cash value (ACV) following an accident. This figure is calculated by using your car’s value at the time of the collision. Gap coverage is generally an optional addition to your auto insurance policy.
Uninsured Motorist
Uninsured motorist coverage pays for medical bills and vehicle damages arising from an accident involving a driver who does not have auto insurance. This includes medical costs for any passengers who are injured in the crash.
Reach Out To An Experienced Illinois Auto Insurance Agency
Speak to the experienced agents at Pro Insurance Group to learn more about Springfield, IL auto insurance coverage. We can help you select a policy with coverage options that satisfy your unique needs and premiums and deductibles that fit your budget. Call Pro Insurance Group today at (833) 619-0770 or contact us online to request a quote.