10 Must-Have Auto Insurance Coverages To Protect You On The Road

​Auto insurance is a requirement for anyone who owns and operates a vehicle. However, it's not just a legal obligation, it's also essential for protecting yourself and your vehicle on the road. Here are the 10 must-have auto insurance coverages that you should consider if you live in Indianapolis, IN.

1. Liability Coverage: Liability coverage is required by law in Indiana and is designed to protect you if you cause an accident. This coverage pays for the other driver's injuries and property damage if you're found to be at fault.
   
   
2. Collision Coverage: Collision coverage pays for repairs to your vehicle if you're in an accident, regardless of who is at fault.
   
   
3. Comprehensive Coverage: Comprehensive coverage pays for damage to your vehicle from non-collision incidents like theft, fire, or vandalism.
   
   
4. Uninsured/Underinsured Motorist Coverage: This coverage protects you if you're in an accident with a driver who doesn't have enough insurance or no insurance at all.
   
   
5. Personal Injury Protection (PIP): PIP covers medical expenses and lost wages for you and your passengers, regardless of who is at fault.
   
   
6. Medical Payments Coverage: Medical payments coverage pays for medical expenses for you and your passengers if you're in an accident, regardless of who is at fault.
   
   
7. Rental Car Coverage: Rental car coverage pays for a rental car while your vehicle is being repaired after an accident.
   
   
8. Roadside Assistance Coverage: Roadside assistance coverage provides help if you break down on the side of the road, including towing and tire changes.
   
   
9. Gap Insurance: Gap insurance covers the difference between what you owe on your car loan and the actual value of the vehicle if it's totaled in an accident.
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10. Custom Parts and Equipment Coverage: If you've made modifications to your vehicle, custom parts and equipment coverage will pay for repairs or replacement of those parts if they're damaged in an accident.

Living in Indianapolis, IN, it's important to consider all of these coverages when shopping for auto insurance. The weather in Indianapolis can be unpredictable, and accidents can happen at any time. With the right auto insurance coverage, you can have peace of mind knowing that you and your vehicle are protected on the road.

When shopping for auto insurance in Indianapolis, IN, be sure to compare policies and coverage options from multiple insurance providers. It's important to find a policy that fits your budget while providing adequate protection for you and your vehicle. Don't hesitate to ask your insurance agent questions and get clarification on any coverage terms or limits.

In conclusion, having the right auto insurance coverage is essential for protecting yourself and your vehicle on the road. Consider these 10 must-have auto insurance coverages when shopping for auto insurance in Indianapolis, IN. By doing so, you can have peace of mind knowing that you have the protection you need when you need it most.

​At McClain Matthews Insurance, we put our clients first by offering them policies that they can afford. Insurance is a necessity nowadays, and we're here to help you. Learn more about our products and services by calling our agency at (317) 298-7500. You can also request a free quote by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!