Car insurance companies in Indianapolis, IN, can provide many layers of personal and property protection. Some of the coverage might be required by the state, and extra add-ons can give auto owners peace of mind.
Liability
If you cause an accident, your liability policy will cover doctor and hospital bills. When you accidentally damage or destroy someone’s property, the plan will pay up to the insured amount. In most cases, you will want to have a fair amount of coverage because if the bills go over the amount of your policy you will need to pay the rest out of your own pocket. For example, if you had $50,000 of bodily injury coverage on your plan and a person ended up with a hospital bill of $60,000 your plan would only pay out $50,000. You would need to come up with the remaining $10,000. Car insurance companies in Indianapolis, IN, can help you pick the most appropriate coverage for your situation.
Uninsured and Underinsured
If you are involved in an accident with an uninsured driver, the uninsured portion of your policy will cover your expenses. Most drivers have some level of auto insurance, but if they are underinsured, an underinsured motorist plan can kick in and pick up any remaining bills the other party’s policy did not fully cover. To ensure you are adequately protected, it is a good idea to seek the advice of car insurance companies in Indianapolis, IN. For a free risk assessment, contact The Thompson Group. Follow them on Facebook.
