Common Auto Insurance Coverage

AgWorkers encourages its policyholders to understand the common types of auto insurance coverage available. AgWorkers believes a well-informed policyholder will be better able to tailor insurance coverage to specific needs and within its budget.

When deciding on auto insurance coverage, it is important to understand what protection is provided by each coverage and how possible losses may be covered. Certain coverage, such as liability coverage is required by your state. Other coverage however is optional and is designed to address other possible losses commonly faced by individuals and businesses. AgWorkers customer service representatives are available to discuss those different options and answer your questions.

How you’d like to customize your car insurance depends on your needs, budget, and the amount of coverage you want. By getting an auto insurance quote or working with our staff to choose the coverage combinations that provide the best car insurance coverage at a price that fits your budget.

Comprehensive Coverage
(physical damage other than collision)

Pays for damage to or loss of your car or truck from causes other than accidents - including hail, vandalism, flood, fire and theft.


Gap Insurance

Pays the difference between the actual cash value of a vehicle and the amount you still owe on a loan. Some gap policies may even cover cost of the deductible.


Liability Insurance

An auto insurance coverage that pays for injuries to the other party and damages to the other vehicle resulting from an accident the policyholder caused. It also pays if the accident was caused by someone covered by the policyholder's policy, including a driver operating the car with their permission.


Rental Reimbursement Coverage

Auto insurance coverage that pays a set daily amount for a rental car if the policyholder's car is being repaired because of damage covered by the auto policy.

 

Medical Payments & Personal Injury Protection (PIP)

Both auto insurance coverage pay limited medical and funeral expenses if the policyholder, a family member, or a passenger in the car is injured or killed in a motor vehicle accident. PIP also pays lost-income benefits.  Same as medical payments coverage, plus 80 percent of lost income and the cost of hiring a caregiver for an injured person. Who it covers: You, your family members, and passengers in your car, regardless of who caused the accident. An insurance company must offer you $2,500 in PIP, but you can buy more. If you don't want PIP, you must reject it in writing.  


Uninsured/Underinsured Motorist Coverage

Auto insurance coverage that pays for the policyholder's injuries and property damage caused by a hit-and-run driver or a motorist without liability insurance. It will also pay when medical and car repair bills are higher than the other driver´s liability coverage.  If you don't want UM/UIM, you must reject it in writing. 

DID YOU KNOW?
In most states, you're required to carry a minimum amount of liability insurance coverage. Plus, you must often provide proof of the minimum amount of auto insurance coverage before you can register your vehicle OR renew your driver's license.

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