Looking for Auto Insurance in the Altoona and Des Moines area?
Kacer Insurance and Financial Services have got you covered! We can help you with standard auto insurance, as well as car insurance for collector cars.
Most people think auto insurance only involves damage to their car. The truth is, auto insurance covers a wider variety than just your car.
The number of cars on the road today are plentiful, and the distractions drivers deal with every day are just as prolific. The chances of being involved in a car accident are ample.
You’re at risk every single time you get into your car.
It’s important to understand what your coverage options are — not just for your car, but for you, and people who may be injured as a result of an accident.
IMPORTANT AUTO INSURANCE COVERAGES
When you browse through your policy, you may see certain coverages and wonder exactly what they are, and why they’re on your policy. Let us clarify a few of the more important ones for you:
This is the part of your policy that covers your car in the event you damage the car itself somehow, as a result of an accident with a fixed or moving object like another car, a curb, a house, a guardrail, etc...
This coverage also protects your car, but in the event that something else damages your car, that is not a fixed, or moving object. For example, theft, a rock that cracks your windshield while you’re driving on the highway, an animal you might hit, and so on.
Suppose you damage someone's car in an accident, or a guardrail, house, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage
Bodily Injury Liability
This coverage protects your financial interest in the event you injure another party in an accident. This is the part of your policy that pays that other party for their medical bills and related expenses. Due to the high cost of medical care, it’s dangerous to carry liability limits that are too low. This is something we can help you decide on.
Un-insured & Under-insured Liability
This coverage pays you, in the event that you are injured by another party, and that other party was either unidentified, or they weren’t carrying a high enough limit of Bodily Injury Liability to cover your expenses. This is also a very important part of your auto policy because you have zero control over how much insurance other people are driving around with.
LOOKING FOR AN AUTO INSURANCE QUOTE?
Kacer Insurance and Financial Services make the process for finding the best auto insurance company a breeze. We will do all the work for you!
To get started, just call our office directly, or click the "GET A QUOTE" button below to send us some basic information about your needs so we can get started on your policy review and comparison!