The roadways are some of the most dangerous places in the entire world. Presumably, even if every driver on the road was as careful as possible, there might still be millions of accidents each year. There is a significant number of people who do not follow driving safety precautions, however, and this results in many auto accidents.
Since these accidents happen so often, having a sufficient auto insurance policy is essential. On average, a driver will have to have an auto accident claim at least once every 17.9 years. If you’re looking for quality auto insurance in Tampa, Florida, it’s important that you know what is covered by a basic insurance policy.
Keep in mind, however, there are plenty of insurance agencies that offer various insurance options, but this information should help if you’re looking for any basic auto insurance in Tampa.
Collision coverage pays for any damage to your car resulting from a collision with another vehicle or object. Additionally, this type of insurance coverage also covers damages caused by driving over potholes.
Bodily Injury Liability
This coverage applies if you have caused harm to another driver, passenger, or pedestrian. You and your listed family members are also covered while you’re driving someone else’s car (as long as you were given permission). It’s important to have enough liability coverage so you aren’t sued for a significant amount of money if any injuries were sustained.
Property Damage Liability
Property damage liability includes coverage for any inanimate object that you damage. Items that you own aren’t covered, but anything that doesn’t belong to you and was damaged (a guard rail, house siding, mail boxes, etc.) is covered.
Whatever type of policy you have, make sure that you’re driving as carefully as possible so you can keep yourself and everyone else out on the roads safe. If you’re in need of quality auto insurance in Tampa, contact Brier Grieves Insurance today.