Required Vs. Optional Auto Insurance

Liability insurance for automobiles is required of Lees Summit, MO drivers; however, there are optional coverage options as well.  Liability insurance covers the insured person’s responsibilities when they cause injuries or damage to the property of others. Should you be in an accident with an uninsured driver then required insurance will protect you as well.  Liability insurance provides coverage for costs related to injuries or death the insured may cause while driving the vehicle.

Insurance will also reimburse others for damages the insured may cause to another vehicle or property. While liability insurance is required it does not cover damage to the insured’s person’s car should it be damaged.  There is optional coverage available to drivers to protect their own vehicles against accidents, theft, and even windshields. Lees Summit’s Epic Insurance agents will help drivers decide what coverage might work for their situation. Optional collision insurance will reimburse drivers for damage to their own vehicle after a collision with another vehicle or object.  Comprehensive coverage will protect drivers against theft and damage caused by an accident such as fire, flood, hail, or even fallen trees. Some drivers may opt to purchase glass coverage for their vehicles as well. This optional insurance will help with replacing windshields or other windows damaged by collisions or other types of damages like falling tree branches or rocks. 

Drivers should carefully consider the types of insurance that are required as well as optional policies that may be available as well. Epic Insurance, located in Lees Summit, MO, is here to help drivers understand the difference between required and optional insurance coverage for your automobile by either visiting an office in person or visiting our website.