If you own a car, you need auto insurance. A car insurance policy is designed to protect you from financial responsibilities, medical liability, and lawsuits following a car accident. Car insurance requirements differ by state, and they are often changed based on the make and model of your vehicle, your driving record, and safety features. At Mountain Ridge Insurance Group in Ogden, we work hard to bring you unique auto insurance policies designed to cover what you need.
Do I Need Auto Insurance?
Auto insurance is required by most banks if you obtain an auto loan. The auto insurance plan will protect the bank’s investment in you and your vehicle. If you get into a car accident and injure another party, you will be liable for their medical costs and repairs to their vehicle. Insurance helps to reduce this financial burden by offering coverage for these issues, along with protecting you from lawsuits. Here are some of the main benefits of auto insurance:
- Protect your investment in the vehicle
- Pay for medical expenses following a car accident
- Protection from lawsuits due to damages from a car accident
- Protection against uninsured or underinsured drivers
- Protection to repair a car following theft, vandalism, or natural disasters
Different Types of Car Insurance
How can you select the right car insurance policy? There are a lot of factors that go into auto insurance needs. Working with Mountain Ridge Insurance is the best way to ensure you are seeing each policy and all the details that will protect you. There are five main types of car insurance including:
- Liability coverage
- Comprehensive coverage
- Uninsured/Underinsured coverage
- Personal injury protection
- Medical payments
Some coverages are required by the state of Utah, while others are optional coverage options you can add later.
Why You Need Auto Insurance
We want to protect you and your family. If you do not have adequate auto insurance, you can end up financially ruined if you need to pay for medical expenses, vehicle repairs, and if you are sued. Liability coverage will offer protection from legal fees, another person’s medical expenses, and lost wages.
Have you considered the general well-being of your passengers? If you are in an accident, who will pay for their medical expenses and lost wages? We can help you select a car insurance plan that will pay for these expenses and more.
For more information about auto insurance and how you can stay financially protected from a car accident, call Mountain Ridge Insurance today at 801.820.6402.