Auto Insurance

If you drive, you risk getting into a car accident. Vehicular crashes are, unfortunately, quite common and can result in costly medical bills, legal fees and property damages. Auto insurance can help provide financial protection if you’re in an accident.  

Contact Vios Insurance Services in Van Nuys, California, to learn more about our auto insurance coverage and to get an auto insurance quote today.  

What Does Auto Insurance Cover? 

Auto insurance, also known as car insurance, can help protect you, your passengers and other drivers on the road. It can also help protect your vehicle from nonaccident damages, such as a tree falling on your parked vehicle or damage from a hailstorm. However, what is covered under auto insurance depends on the coverage you’ve purchased. Vios Insurance Services can work with you to discuss your auto insurance needs and ensure your policy has all the coverage you need.  

Types of Auto Insurance 

There are a variety of types of auto coverage available you can add to your auto policy. You may also be required by California state law to carry minimum amounts of auto insurance. If you’ve financed your vehicle, you lender may also have requirements. Here are some types of car insurance for you to consider: 

• Liability coverage helps pay for damages or injuries for which you may be liable or have caused. 
  • Property damage liability may pay for damages to third-party property that you cause while driving.
  • Bodily injury liability may cover costs associated with deaths or injuries you’re responsible for while driving. Here are some examples of costs that could arise from car accidents:
    • Legal fees
    • Medical bills
    • Funeral expenses
    • Lost wages
• Uninsured/underinsured motorist coverage may cover costs if you’re in an accident with a driver who doesn’t have sufficient coverage. 
• Comprehensive coverage may pay for damages to your vehicle from noncollisions (e.g., hail damage, garage roof collapse).
• Collision coverage may help cover the cost of damages to your vehicle from collisions with objects, regardless of fault.
• Medical coverage may cover medical bills for you and your passengers if you need medical attention following a car accident.
• Gap coverage may help you pay off your auto loan if the car you’re renting or leasing is totaled or stolen.  

The right protection is just a few clicks away. Call Vios Insurance Services for more information on the types of auto insurance we offer.  

How Much Auto Insurance Do I Need? 

Auto insurance is required in nearly every state. Generally, you will need to meet minimum state requirements for property damage liability and bodily injury liability. Other coverages may also be required. If you’re financing your vehicle, additional coverages (e.g., comprehensive coverage, collision coverage) may be required by your lender. Speak to your insurance company to learn more about car insurance requirements in your area. 

How Do I Buy Auto Insurance? 

At Vios Insurance Services, we understand the importance of finding the right car insurance. Contact us for a free car insurance quote today.