Douglas Hammel: Allstate Insurance

Auto insurance is mandated by most states to provide much needed protection in the event of a car accident. According to data from the CDC, more than 32,000 people are killed and 2 million are injured each year from car crashes alone. The more you know, the better protected you can be when it counts. Take a look at this handy guide below and talk to your local agent today to find the best auto insurance coverage for you.

Liability Coverage: This type of coverage is required by law in CA. Liability coverage helps pay for injuries and property damage (which you become legally responsible for after an accident). The minimum amount of coverage required for private passenger vehicles is $5,000 for property damage and $15,000 for injury or death to a single person.

Collision Coverage: Collision coverage helps pay to repair or replace a covered vehicle after an accident. This type of coverage is typically optional but may be required by lenders during the term of a loan or lease.

Comprehensive Coverage: The purpose of comprehensive coverage is to provide an extra layer of coverage in the event of things like theft, fire, vandalism or hail (non-collision incidents). Comprehensive coverage will have a deductible that you must pay out of pocket before being reimbursed for a covered claim.

Uninsured and Underinsured Motorists Coverage: This type of coverage will protect you and your vehicle against hit-and-run accidents, uninsured and underinsured motorists whose insurance is not enough to cover the costs of injuries or damages. This type of coverage is typically optional but like collision, may be required by lenders during the term of a loan or lease.

Personal Injury Protection: Personal injury coverage helps you with certain medical expenses and loss of income resulting from your accident. This type of coverage is optional.

Medical Payments Coverage: As we all know, medical costs resulting from an accident can be extremely expensive. This type of coverage can help pay medical costs related to an accident regardless of who is at fault.

Depending on your individual scenario or lifestyle, there are plenty of other coverage options you can add to your existing policy to make sure everything is covered. Some of these options include coverage for rental reimbursement, transportation expenses, towing and labor cost, ride-sharing, sound systems, classic cars and much more. Give your agent a call today to build a policy that covers everything and everyone you love.