5 Auto Insurance Products You Need

Choosing the right auto insurance products can make a significant difference in your financial security and peace of mind. At Leber Insurance Group, we believe in providing comprehensive coverage tailored to your needs. With that in mind, here are the top five auto insurance products you should consider: 

1. Liability Insurance Liability insurance is a fundamental component of any auto insurance policy. It covers bodily injury and property damage you may cause to others in an accident. This coverage is crucial because it protects you from significant out-of-pocket expenses and potential lawsuits. Most states require a minimum level of liability insurance, but it’s often wise to carry more than the mandated amount to ensure ample protection. 
2. Collision Coverage Collision coverage pays for damage to your vehicle resulting from a collision with another car or object, such as a tree or guardrail. This product is essential if you want to avoid hefty repair bills after an accident. It’s particularly important if you have a newer or high-value car. Carriers like National General are well-versed in collision coverage and often include it without you having to ask. 
3. Comprehensive Coverage Comprehensive coverage protects your vehicle from non-collision-related incidents, including theft, vandalism, natural disasters, and falling objects. This product ensures that you’re covered for a wide range of potential damages, giving you peace of mind no matter what comes your way. Comprehensive coverage is an excellent addition to your policy, especially if you live in an area prone to extreme weather or high crime rates. 
4. Uninsured/Underinsured Motorist Coverage Despite legal requirements, many drivers are uninsured or underinsured. Uninsured/underinsured motorist coverage protects you if you’re involved in an accident with such a driver. This coverage pays for your medical expenses, lost wages, and other damages when the at-fault driver cannot cover the costs. It’s an invaluable product that ensures you won’t be left financially vulnerable due to another driver’s negligence. Travelers is a great option when looking for Uninsure/Underinsured Motorist Coverage. 
5. Personal Injury Protection (PIP) Personal Injury Protection, or PIP, covers medical expenses, lost wages, and other related costs if you or your passengers are injured in an accident, regardless of fault. This coverage is especially beneficial as it provides quick payouts for medical bills and helps manage other expenses during your recovery. PIP is mandatory in some states and optional in others, but it’s always a smart choice to include in your policy. 

At Leber Insurance Group, we strive to provide our clients with the best insurance solutions tailored to their needs. These top five auto insurance products are essential for comprehensive coverage and peace of mind on the road. Contact us today to learn more about how we can help you find the perfect auto insurance policy.