If you own a vehicle, auto insurance is a necessity. Some components of auto insurance are legally required, while others are optional. Possessing liability insurance is non-negotiable to protect yourself, as mandated by law. Ensuring your liability insurance is adequate to cover the costs of a costly accident is essential. If auto insurance is what you need, reach out to us at Taake Insurance Agency in Columbia, IL.

Bodily Injury Liability

Medical expenses can be exorbitant in the U.S., which makes coverage crucial to avoid shouldering substantial bills from your pocket. It is necessary to include bodily injury liability in your auto policy. This component is responsible for covering medical expenses and related costs incurred by another party in an accident in which you are involved. As the bills for injuries from an accident can run into tens of thousands or more, it is advisable to ensure you are covered as long as you have your vehicle.

Property Damage Liability

When an accident occurs, it’s not just the individuals involved who can incur damage. Personal properties such as vehicles and belongings inside these vehicles can also be affected. Property damage liability is necessary to cover the costs of repairing or replacing a vehicle damaged in an accident. Without this coverage, you’ll be personally liable for all related costs, which can lead to financial distress. It is also beneficial to include collision coverage in your policy to cover any damage to your property resulting from an accident.

Stay Insured, Stay Legal

Having auto insurance isn’t just a legal necessity- it’s a vital means of protecting yourself. Contact us at Taake Insurance Agency in Columbia, IL if you’re seeking auto insurance.