Protecting a vehicle in Kelso, WA requires an insurance policy that is appropriate for your concerns, budget and goals. Since every individual and family has a different goal and requirement, the auto insurance that is best can vary.
Meeting State Standards
Auto insurance is mandatory in Washington and the amount of coverage that is required relates to liability concerns. The state requires that every driver have coverage for property damage and injuries that may occur as a result of an accident.
Since the minimum standards focus on liability risks, it may not always be enough to address personal concerns regarding coverage. A variety of options are available for additional concerns that may not be provided in the basic liability policy.
Collision and Comprehensive
Generally, collision coverage is added to a policy separately. You may or may not need collision coverage, depending on your goals, concerns and the vehicle that you are driving.
Comprehensive coverage does not always include collision protection; instead, it usually protects against damages to a personal vehicle in a covered situation. The situations that are covered may include floods, damage from a storm or fires. It can also protect against criminal activities, such as theft or vandalism.
When personal concerns relate to liability risks, it is also possible to add to the basic coverage. State standards are a minimum requirement, but you can purchase additional liability coverage to protect against high-cost bills and concerns related to accidents that you may cause.
There are several different options available to cover your vehicle and avoid potential concerns that may arise. Recognizing the options that are available can make it easier to select a plan that is appropriate. To learn more about your policy options, contact us to talk to an agent today.