Bi County Insurance & Western Illinois Title can help you with car insurance in Biggsville, Galesburg or Monmouth IL. They are a single source provider of insurance and car insurance is one of them. When it comes to car insurance you want the best coverage at the best price.
The main car insurance coverage’s can be categorized as follows:
- Liability cover
- Collision cover
- Personal injury protection
Liability cover is there to protect you should a 3rd party sue you for injuries and damages sustained because of an accident you caused. Such claims can run into millions, so liability cover is very important. In addition, some level of liability cover is compulsory. The state requires that you should be able to meet your social responsibility to others if you cause an accident.
Liability cover only covers 3rd party claims. It wont pay for your own damages of injuries. Collision insurance will cover your car for damages sustained is a road accident. That means collision insurance will pay for the repair or replacement of your vehicle if you were involved in a collision or rad accident. Collision insurance won’t pay for damages or loss from other causes such as auto theft or storm damage. For that you need comprehensive insurance.
Comprehensive insurance covers you for losses sustained from causes other than a road accident. Comprehensive could also cover personal items that were in your vehicle. Personal injury is always a possibility when you are in an accident. You should have some type of personal injury protection plan to cover your own medical costs.
The above sums up the main types of auto insurance coverage’s. The other side of the coin is your monthly cost for the above coverage’s. Bi County Insurance will help you get the best deal.