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Clarinda, IA drivers need to carry a certain amount of insurance by law. If you only want to meet the minimum requirements, Sume Insurance can help you find a policy where you will only have liability coverage. Liability coverage only kicks in to protect the other drivers and passengers when you are found to be at fault in an accident. 

Minimum Legal Requirements

Under Iowa law, you only need to carry certain amounts of liability insurance. Property damage coverage will help to repair or replace the victim’s vehicle while personal injury coverage will cover everything from emergency room visits to ongoing physical therapy. Any amount not paid out under your policy becomes your responsibility. If you cannot pay, the other insurance company will likely seek a court judgment. 

Other Important Coverages

If you still owe on your vehicle, your lender may require you to carry full coverage. Full coverage will also protect you during an accident, even if you are at fault. Many people become spoiled after carrying full coverage and keep it after the car is paid off. Full coverage gives you peace of mind that liability insurance alone can’t offer.

Here are some of the advantages of full coverage insurance:

• Comprehensive coverage offers protection in case of unexpected events like fire, vandalism, or accidentally hitting an animal with your car.
• Collision coverage provides protection during any kind of collision no matter who caused the accident,
• Rental car reimbursement will help you stay on the road while your vehicle is being repaired.
• Uninsured/underinsured coverage protects you when the other driver doesn’t have adequate coverage.

Sump Insurance Is Here To Help

You may also want to talk to us about how to get gap coverage, roadside assistance, or other benefits in Clarinda, IA. If you have any questions about your coverage, please call Sump Insurance today.

The agents at Sump Insurance serving the Clarinda, IA area want you to know that auto insurance is required in the state of Iowa. All motorists must have at least a minimum amount of auto liability insurance to cover any bodily injuries or destruction of property that may happen during an accident you cause.

In addition to liability insurance, there are several other coverage options you can choose from to add more protection for you and your vehicle.

Auto Insurance Coverage Options

Uninsured and Underinsured Motorist Coverage

If you happen to have the misfortune of becoming involved in an accident that is the fault of a driver without insurance or an inadequate amount of auto insurance, this type of coverage will assist you in repairing or replacing your vehicle and help with the medical bills you might incur.

Comprehensive Auto Insurance

Comprehensive insurance is a great policy to have since it will help you to repair or replace your vehicle if it catches on fire, is damaged by vandalism, or becomes destroyed or damaged by a natural disaster. This type of insurance will also help to replace or repair your car, SUV, or truck if it is stolen.

Collision Insurance

Collision insurance will assist you in paying for damages from a collision with another vehicle or some sort of object.

If you still owe money to a bank or lender for the purchase of your car, truck, or SUV, you will more than likely have to secure an auto insurance policy that includes both collision and comprehensive insurance.

Contact Us Today

To obtain an auto insurance policy that provides you with the coverage you need, contact the agents at Sump Insurance serving the Clarinda, IA area today!

When you purchase a vehicle, one of the most important things you need to do is make sure to purchase an auto insurance policy. At Sump Insurance, we sell auto insurance policies to motorists in Clarinda, IA. 

The following are three important reasons why you must have auto insurance if you own a vehicle:

Auto insurance is required by law

Auto insurance is basically required by law in every state. If you are pulled over and aren’t insured, you can be cited for driving without insurance. Penalties for driving without insurance coverage are very harsh in many states, so you need to make sure that you’re covered. 

Auto insurance protects you financially

It’s important to carry auto insurance to protect your finances. Auto insurance can protect not only your investment in your vehicle but also your savings. If you are responsible for a costly auto accident, you will have to pay out of pocket. This could lead to a significant or even complete loss of your assets. 

Auto insurance is required by auto loan lenders

Many motorists took out a car loan to purchase their vehicle. If you borrowed money to buy your vehicle, it’s important to know that your auto lender will require you to carry auto insurance.

If you are carrying auto insurance to meet your auto loan lender’s requirements, you’ll need to have both liability and collision coverage. Collision coverage protects the value of your vehicle while you’re paying back your loan. 

We Are Here To Help

Are you interested in exploring your auto insurance options in Clarinda, IA? We can answer your questions about auto insurance and provide you with a quote on a policy at Sump Insurance. Get in touch with us today!

Auto liability insurance policies are legally required in most states, including Iowa. However, collision insurance covers an entirely different aspect of auto insurance that you may never have considered. While it is safe to assume that most people do not want to experience a collision in their lives, imminent danger on the road is always an unfortunate possibility. Particularly when the weather is rainy or snowy, the chances of being involved in a car crash go up exponentially.

Not all auto insurance policies cover multi-vehicle collisions, but there are insurance agents who can help protect you in the event of a life-altering crash.  Sump Insurance in Clarinda, IA is here to assist.

Auto Insurance & Multi-Vehicle Collision

Let’s say that you are driving on icy roads and fail to notice that the cars in front of you are coming to a stop, or perhaps you cannot see through the thick sheets of snow. If you rear-end the vehicle in front of you and it continues on like a domino effect, your liability insurance will cover the damage done to the other vehicles.

Alternatively, if you are in one of the vehicles that get hit (or in other words, if you are one of the drivers who is not at fault and got caught in the crossfire), the driver at fault will need their liability insurance to cover your vehicle’s damage. There is also the option of obtaining collision insurance, which may especially be recommended in states with drastically inclement weather. 

Give Us A Call

If you are in the Clarinda, IA area, stop by Sump Insurance to discuss your auto policy with a qualified professional.  Call Sump Insurance today or stop by the office if you are in the area. Allow the experts to give you the information you need to protect yourself and others.