Auto Insurance

Selecting Auto Insurance that will be the best fit for you and your family is a big decision. At the Árachas Group, we want our clients to make informed choices – here you’ll find some useful information about this very valuable insurance product and how it can help you.

The main purpose of auto insurance is to protect you if you cause a vehicle accident that injures other people or damages their property. It can also give protection if your own vehicle is damaged in an accident or if your vehicle is stolen. The type of protection you have will be specified in your policy.

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Like life insurance, car insurance is simply a contract between you and the insurer.

In exchange for your premium payments, you receive a selected set of coverages.

The most common car insurance coverages are:

  • Collision: pays for damage to your car if it hits another vehicle or object. A deductible typically applies to collision coverage.

  • Comprehensive: coverage that pays for damage to your car if it’s stolen or damaged by something besides a collision with another vehicle such as vandalism, fire, or hail. A deductible applies to comprehensive coverage.
  • Uninsured motorist: this pays for injuries suffered by you and your passengers if you’re in an accident caused by a motorist who does not have insurance, or who has insufficient insurance coverage.
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  • Bodily injury liability coverage: this variety pays for injuries to the driver and passengers of another vehicle if you cause an accident. In the event you are sued due to an accident, it also provides coverage for your defense.

  • Property damage liability coverage: if you are the cause of an accident, this coverage pays for damages to the other person’s car or property, as well your expenses if you are sued because a vehicle accident.

  • Medical payments coverage: if you or a member of your household is hit by a car as a pedestrian, this product covers your medical expenses.

Talk to an auto insurance expert at the Arachas Group today at 630-289-4410.

Our experienced staff will help you select the policy that will help keep you and your loved ones protected!

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