Auto Insurance

Auto insurance is made up of several coverages that work together to protect you, your vehicle, and your finances. Here are the main types drivers should understand.

Liability Coverage

Required by law in most states, liability coverage pays for injuries and property damage you cause to others in an at-fault accident. Each state sets its own minimum limits for bodily injury and property damage liability. Liability does not pay to repair your own vehicle.

Collision Coverage

Collision coverage pays to repair or replace your vehicle after a crash with another vehicle or an object, no matter who is at fault. It is optional under state law but is usually required if you finance or lease your car.

Comprehensive Coverage

Comprehensive coverage handles non-collision damage to your vehicle, such as theft, vandalism, fire, hail and storm damage, falling objects, and hitting an animal. Like collision, it is optional by law but often required by lenders.

Uninsured & Underinsured Motorist Coverage

This coverage protects you when an at-fault driver has no insurance or not enough to cover your costs. Because a meaningful share of drivers on the road are uninsured or underinsured, it is one of the most valuable optional coverages. Insurers must offer it, but you may decline it in writing.

Medical Payments (MedPay)

MedPay is an optional coverage that helps pay medical expenses for you and your passengers after an accident, regardless of who was at fault.

What auto insurance is required?

Most states require drivers to carry at least liability insurance, with the minimum limits for bodily injury and property damage set by your state. You must keep proof of insurance with you while driving.

Is the state minimum enough coverage?

It satisfies the law, but it is often not enough. A single serious accident can quickly exceed those limits, leaving you personally responsible for the difference. Many drivers choose higher liability limits and add collision, comprehensive, and uninsured motorist coverage.

Does liability insurance cover my own car?

No. Liability pays only for injuries and damage you cause to others. To cover repairs to your own vehicle, you need collision and comprehensive coverage.

Do I need uninsured motorist coverage?

It is not legally required, but it is strongly worth considering. With many drivers on the road uninsured or underinsured, this coverage pays for your injuries when an at-fault driver cannot. Insurers are required to offer it unless you reject it in writing.

What affects my auto insurance rate?

Insurers look at factors such as your driving record, age and driving experience, the make and model of your vehicle, where you live, how far you drive, and the coverage limits and deductibles you choose. Available discounts can also lower your premium.

Why buy auto insurance through an independent agent?

As an independent agency, Baer Insurance Services represents many insurance companies, so we can compare coverage and price across carriers to fit your needs instead of offering a single company’s products. You also get personal, local service whenever you have a question or a claim.

Car, Truck, RV & ATV Insurance — Coverages Can Include:

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