Bumps, scrapes, bangs... Unland takes care of you and your vehicle.
Carrying auto insurance on your vehicle isn’t only the smart thing to do, it’s the law in Illinois. And just like the numerous bells and whistles you can have added to your vehicle, you also have a lot of insurance coverage options. From sleek new sports cars to hand-me-down budget vehicles, Unland will help you compare options and provide you with customized coverage that fits your specific situation and budget.
What are my options for auto insurance coverage?
Choosing a low premium isn’t necessarily the best option for you. Sure, we all want to save money on our auto insurance, but you also have to weigh how much you can afford to pay out of your own pocket should an accident happen. Here some of the different coverage options you can have for your plan.
Bodily Injury & Property Damage Liability Coverage
Most states require you carry a set minimum level of liability insurance on your vehicle. In the event of accident, liability coverage pays for bodily injury and property damages to others for which you are legally responsible. It also covers legal expenses should the other person(s) take you to court. Some additional examples of what bodily injury liability insurance can cover include medical expenses, pain and suffering, and lost wages up to the amount stated in your policy. Property damage liability covers damage to property and the loss of its use.
Medical Payment Coverage
If your vehicle is hit by another car, medical payment coverage would pay covered expenses for you and your passengers. This type of insurance is not typically required by states, but is highly recommended as it provided great coverage at an affordable rate. Plus, it doesn’t carry a deductible or copay, so coverage starts on the first dollar incurred. Cost for this coverage is determined by the limit you select.
Physical Damage Coverage
Whether it’s caused by a fender-bender, theft, or colliding with a deer, fixing physical damage to your vehicle can add up. Physical damage coverage pays for damages to a covered vehicle in the event of a collision with another vehicle or object, as well as damage caused by fire, wind, hail, vandalism, theft, broken glass and hitting an animal. Deductibles do apply to this coverage.
Uninsured and Underinsured Motorist Coverage
Despite liability coverage being required in Illinois, some people still drive without insurance. If you’re in an accident with someone who does not have insurance or carries very low amounts of liability coverage, this optional coverage add on will pay for medical expenses, pain and suffering and lost wages.
Additional Coverage Options
In addition to some of the standard coverage options people choose for their auto insurance policy, Unland also offers some additional coverage options. This includes: towing and labor, rental car reimbursement, and loan or lease coverage.
What discounts are available for auto insurance?
Unland rewards drivers for being safe, but there are also many more discounts available like good student discounts, multiple auto discounts, multi-policy discounts and more. Talk to our agents about discounts you may be eligible for!
Call 800-747-3241 to talk with an Unland Insurance Agent now.
We have agents standing by to help you with any insurance questions you have.
Call 800-747-3241 or email us directly.
At Unland, we take care of it all.