Auto Insurance
Auto insurance is an essential financial tool that assists you through the financial risks of owning and operating a vehicle. At Crawford Insurance LLC, we know that driving in and around Tuscaloosa is a vital part of daily life, and we’re here to help you stay financially covered on the road.
What Is Auto Insurance and What Does It Cover?
Auto insurance is a contractual policy between you and your insurance provider that offers financial protection in case of accidents, theft or other vehicle-related incidents. By securing an auto insurance policy, you can mitigate potential financial losses and ensure peace of mind every time you drive.
What an auto insurance policy covers will vary depending on your needs and preferences; however, most policies may offer the following coverages:
- Physical damage coverage—This may refer to collision and comprehensive coverages, which can protect your vehicle from damage or loss due to accidents, theft or natural disasters, covering repair or replacement costs in certain instances.
- Liability coverage—This may provide financial protection if you’re at fault in an accident, covering expenses for others’ injuries (bodily injury liability) or property damage (property damage liability), depending on the policy language.
- Medical payments (MedPay) coverage—This may cover expenses for you and your passengers in case of injury or an accident, regardless of fault, including hospital bills, rehabilitation, and sometimes funeral costs and lost wages.
Why Do I Need Auto Insurance?
In Alabama, drivers must prove financial responsibility. This means having auto insurance is generally a legal requirement for most people, and driving without it can result in severe penalties, including fines, license suspension and vehicle impoundment. Auto insurance offers crucial financial protection by covering costs related to vehicle repairs, medical bills and property damage following an accident. With it, you can rest easy knowing you’re not financially vulnerable when the unexpected occurs.
We’re Here to Help
At Crawford Insurance LLC, we’re committed to helping you find the right auto insurance policy tailored to your needs. Call us at (205) 752-6489 or contact us online for a quote.