top of page
12647348_1396 [Converted]-01-01.png



Auto insurance is a vital form of protection that provides coverage for you and your vehicle in case of accidents or damage. It typically includes liability coverage to cover injuries or damages you cause to others, as well as coverage for your own vehicle's repairs or replacement.


Auto insurance is a legal requirement in most jurisdictions and helps safeguard your financial well-being by mitigating the costs associated with accidents, theft, or other unforeseen incidents. It's important to choose the right coverage and review different policies to ensure you have adequate protection on the road.

Auto Insurance

Auto insurance is a type of insurance coverage that protects you, your vehicle, and others in the event of an accident or damage involving your car. It is a legal requirement in most jurisdictions to have auto insurance if you own and operate a vehicle. Auto insurance policies typically consist of several types of coverage, which can vary based on your specific needs and the requirements of your location. Here are some key components of auto insurance:

Liability Coverage

Liability coverage is a fundamental part of auto insurance. It includes two types of coverage: bodily injury liability and property damage liability. Bodily injury liability covers the medical expenses, rehabilitation costs, and legal fees associated with injuries or death of other people involved in an accident you caused. Property damage liability covers the repair or replacement costs of other people's property that you damaged in an accident.

Collision Coverage

Collision coverage pays for the repair or replacement of your vehicle if it is damaged in a collision with another vehicle or object, regardless of who is at fault. It helps cover the costs of repairs or provides the actual cash value of your vehicle if it is deemed a total loss.

Comprehensive Coverage

Comprehensive coverage protects your vehicle against non-collision- related damages. This includes damages caused by theft, vandalism, natural disasters, falling objects, fire, or hitting an animal. It helps cover the repair or replacement costs up to the vehicle's actual cash value.

Uninsured/Underinsured Motorist Coverage

This coverage is designed to protect you if you are involved in an accident with a driver who either doesn't have insurance or has insufficient coverage to pay for the damages and injuries they cause. It helps cover medical expenses, property damage, and other losses caused by an uninsured or underinsured driver.

Medical Payments Coverage

Medical payments coverage, also known as personal injury protection (PIP) in some states, pays for medical expenses, regardless of who is at fault in an accident. It can cover medical bills, hospital stays, rehabilitation, and even funeral expenses for you and your passengers.

Auto insurance policies may also include additional optional coverages, such as rental car reimbursement, roadside assistance, and gap insurance (which covers the difference between the actual cash value of your vehicle and the amount you owe on a loan or lease if it is totaled). The cost of auto insurance premiums depends on various factors, including your driving history, the type of vehicle you own, your location, and the coverage limits and deductibles you choose. It is essential to review and compare different insurance policies to find the one that provides the appropriate coverage for your needs at a price you can afford.

Annagard Insurance Agency is always here for all your insurance needs. Please feel free to call us at any time, we will be delighted to speak with you.

bottom of page