Auto Insurance at ISU
Auto insurance is a must, not just because it protects one of your most important assets but because it is required by law. Also, accidents on the road can land an uninsured driver in financial straits. The following questions relate to car or auto insurance:
- How much car insurance do I really need?
- Where can I get my coverage cheapest?
- How do I know I’m not being taken advantage of?
At ISU, we can answer all three questions for you.
The final question is at once the most straightforward and the broadest: you can shop with confidence because at ISU, we make it our business to educate the consumer. Call us now and speak to an auto insurance specialist, or navigate to the “How-To and Tips” section of this site to find answers online. If you are very unfamiliar with auto insurance, you may wish to begin by examining the six types of auto insurance in brief. A single policy may contain any or all of the following:
For people outside your car
- Bodily injury liability insurance—Pays the medical or funeral expenses of the victim(s) of a collision in which you are at liable.
- Property damage liability insurance—Pays for others’ personal property (such as another car) which you damage in a collision.
For people in your car (including yourself)
- Medical payments insurance—Pays the medical or funeral expenses of you and your passengers, if you are driving. It pays regardless of whether you are at fault for the accident. It even covers you for a car-related injury when you are a pedestrian.
- Uninsured motorists coverage—We wish it weren’t so, but some drivers simply don’t carry liability insurance. Uninsured motorists coverage pays your medical expenses if you are injured by an uninsured driver.
For your car itself
- Collision insurance—Pays for damage to your car caused by a collision.
- Comprehensive insurance—Pays for damage or loss of your car caused by some mischance other than collision, such as falling objects or theft.