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Car Insurance in Fort Wayne, New Haven, IN, Portland, IN, Decatur, IN and Surrounding Areas

What are the basic coverages a car insurance comes with? 

Car insurance typically offers several basic coverage options to protect both the driver and their vehicle. Bixler Insurance provides car insurance service in Fort Wayne, New Haven, IN, Portland, IN, Decatur, IN, Bluffton, IN and surrounding areas. 

These fundamental coverages include: 

  • Liability Coverage: Protects the driver from financial loss if they are at fault in an accident that causes injury or property damage to others. It usually includes bodily injury liability (for medical expenses, lost wages, and legal fees) and property damage liability (for repair or replacement costs). 
  • Collision Coverage: Pays for repairs or replacement of the insured vehicle if it’s damaged in a collision with another vehicle or object, regardless of fault. 
  • Comprehensive Coverage: Covers damage to the insured vehicle caused by incidents other than collisions, such as theft, vandalism, natural disasters, or hitting an animal. 
  • Personal Injury Protection (PIP): Also known as no-fault insurance, PIP covers medical expenses, lost wages, and other costs for the driver and passengers injured in an accident, regardless of fault. 
  • Uninsured/Underinsured Motorist Coverage (UM/UIM): Protects the driver if they are involved in an accident with a driver who doesn’t have insurance or has insufficient coverage to pay for damages and injuries. 
  • Medical Payments Coverage: Similar to PIP, medical payments coverage reimburses the driver and passengers for medical expenses resulting from an accident, regardless of fault. 
  • Rental Reimbursement Coverage: Pays for the cost of renting a vehicle while the insured car is being repaired due to a covered loss. 
  • Towing and Labor Coverage: Covers the costs of towing the insured vehicle to a repair facility and any necessary labor performed at the site of the breakdown. 
  • Gap Insurance: If the insured vehicle is totaled in an accident, gap insurance covers the difference between the actual cash value of the vehicle and the amount still owed on the car loan or lease. 

These basic coverage options can be customized with additional endorsements or riders to suit the individual needs and preferences of the driver. It’s essential for drivers to review their insurance policies carefully and consider their specific circumstances to ensure they have adequate coverage in place. 

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