Auto Insurance in Scottsburg, Indiana
Auto insurance helps provide financial protection according to the coverage you choose after a car accident or damage-causing incident. Without appropriate auto insurance, you could face fines and be held personally responsible for third-party injuries and property damage.
Contact Insurance Solutions in Scottsburg, Indiana, to get personalized car insurance.
How Much Auto Insurance Is Enough?
Indiana requires all drivers to carry minimum amounts of auto insurance, including:
- Bodily injury liability—This policy may help cover third-party injuries after an at-fault accident up to the policy’s limits.
- Property damage liability—This policy may help cover third-party property damage after an at-fault accident up to the policy’s limits.
Indiana requires drivers to either purchase the following coverages or reject them in writing:
- Uninsured motorist bodily injury coverage—This policy may help cover your injuries if the at-fault driver doesn’t have liability coverage.
- Uninsured motorist property damage coverage—This policy may help cover damage to your property if the at-fault driver doesn’t have liability coverage.
- Underinsured motorist bodily injury coverage—This policy may help cover your injuries after an accident with an underinsured at-fault driver.
What Does Auto Insurance Cover?
Depending on your situation, your agent may also recommend that you purchase the following policies and endorsements:
- Comprehensive and collision coverage—This policy may help cover repairing or replacing your vehicle after a damage-causing accident or incident. If you lease or finance a vehicle, your lienholder requires this coverage.
- Guaranteed asset protection (GAP) insurance—This coverage may help pay the difference between your insurer’s settlement and the total amount due on your loan or lease if your vehicle is a total loss after a covered accident or incident. Your lienholder may require this coverage.
- Medical payments (MedPay)—This coverage may help cover medical bills for you and your passengers after an accident, regardless of who is at fault.
How Long Is Auto Insurance Good For?
Insurers typically issue a car insurance policy for six months or one year. Your insurer may automatically renew your policy after recalculating rates to account for recent moving violations and price revisions. Your policy documents include the effective dates of your coverage.
How Far Back Do Auto Insurance Companies Look?
Insurers base your auto insurance rates on numerous factors, including your driving and claims history. Each insurer sets rules about how far back they may look, but in general, you can expect at-fault accidents and moving violations to affect your insurance rates for three to five years.
How to Buy Auto Insurance
Contact Insurance Solutions today to get started building your customized auto insurance plan.