Indianapolis Auto with Auto Insurance Coverage

Auto Insurance

Auto Insurance

Indiana state law requires all drivers to carry an insurance policy. This coverage serves to protects your financial assets and property, prevents legal problems and protects other drivers if you are responsible for a car accident.

Things to Consider

  • Are my assets or income at risk if I am in an auto accident that is my fault?
  • If I am in a not-at-fault accident and the other driver drives away (hit and run) do I have coverage for my vehicle?
  • If I am in an accident that is my fault how much coverage do I have if I am sued or if a claim is made against me for physical injury to the other driver and passengers?
  • If I have a child living away from home at college, can I remove him/her from my policy?

The Insurance Coverage That You Need

Liability Insurance addresses medical bills, repair or replacement costs for the other driver's vehicle, and costs related to lawsuits. When setting up your insurance policy, it is important to review what assets may need protection when determining your liability limits for property damage and bodily injury.

Collision Insurance covers repairs or replacement of your car if you hit another vehicle. Coverage starts when the deductible has been met.

Comprehensive Insurance pays for damage incurred by fire, hail, wind, storms, theft, vandalism, or hitting a large animal with your car after your deductible is met.

Underinsured Motorist Insurance protects you when you are in an accident with someone whose limits are not sufficient to pay for your damages.

Uninsured Motorist Insurance coverage can pay for injuries and losses when the other party is not insured at all.

Boat/watercraft Insurance provides liability and property coverage for your watercraft and trailer. It covers accidents and any losses that might be incurred due to fire, vandalism, and other factors.

St. Joseph Agency Can Assist You

We proudly serve Indianapolis, Fishers, Carmel, Westfield, Noblesville, Brownsburg, Zionsville and all surrounding areas. For instant quotes on home or auto insurance, try our online rating tool.

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