Auto insurance components and coverages
Blue Bonnet offers auto insurance policies and solutions throughout Cedar Park, Lakeway, Leander and Marble Falls. If on a vehicle, some form of auto insurance is compulsory. This is usually in the form of liability or 3rd party insurance. Liability insurance covers you if you are sued by a third party for damages or injuries sustained in vehicle accident resulting from your negligence or wrongdoing. Third party claims can be substantial and that is part of the reason this type of auto insurance is compulsory. As a driver on public roads you have a responsibility towards other road users and liability insurance ensured you can meet those financial responsibilities.
Liability insurance only covers 3rd party claims. It does not cover damage to your own vehicle. For that you need collision insurance. Collision coverage is an important component of auto insurance and will pay for the repairs or replacement of your car or truck should you have a crash. Neither liability or collision insurance covers costs related to personal injuries sustained pursuant to a road accident. For that you need some type pr personal injury protection plan.
There are other risks as well such as auto theft, vandalism and storm damage. Liability insurance covers damages to others. Collision insurance only covers your vehicle damaged resulting from a road accident or collision. Comprehensive insurance covers losses from other events such as auto theft and storm damage.
As you can see, there are several components to car and auto insurance. You can drive with the legal minimum of liability insurance required by law, but that won’t help you with your own damages and losses. An independent agent such as Blue Bonnet cn help you with right amount of auto insurance for your requirements in in Cedar Park, Lakeway, Leander and Marble Falls.
Lakeway, Marble Falls, Cedar Park TX Auto Insurance from Blue Bonnet Pride provides you with peace of mind at rates you can afford. Get your free quote today!