Auto Insurance Fresno


Why Do I Need Auto Insurance in Fresno?

Having auto insurance in Fresno can help protect the people and things that are important to you. From liability coverages that help protect you to comprehensive coverage that helps protect the investment in your new car, quality auto insurance coverage is the foundation of a good financial plan.

Fresno Auto insurance can help:

  • Safeguard your investment in your automobile
  • Pay for medical expenses in case of an accident
  • Provide financial protection from lawsuits
  • Cover losses caused by uninsured or underinsured drivers
  • Pay for damage due to theft, vandalism or natural disasters

Remember, however, not all coverages are the same. When picking the kind of Fresno auto insurance coverage that applies to you, consider your specific situation.

What Are My Fresno Auto Insurance Coverage Options?

Understanding the types of Fresno auto insurance coverage options will help you make choices that you feel are right for you. Learn how liability, property and injury protections can help protect you from loss, damage and lawsuits and how limits and deductibles work.

Liability Coverage

Liability coverage helps protect you from covered damage your car does to others and damage for which you are legally liable.

Liability - Who's covered:

  • You, family members or relatives who live with you when (A) driving your car or (B) driving other cars with that vehicle owner's permission.
  • Other people driving your car when you've given them permission.

Liability - What's covered:

  • It pays others those amounts for which you become legally liable due to an auto accident. This may include drivers, passengers or pedestrians.
  • It pays the amounts for which you are found liable for damage to another's property as the result of an auto accident. This also pays for legal defense costs if you are sued.

Underinsured/Uninsured Motorists Coverage

This cover damages to you and your property caused by another driver who doesn't have insurance (uninsured) or doesn't have adequate insurance (underinsured) to cover your damages.

Underinsured/Uninsured Motorists Coverage for Bodily Injury

This coverage provides bodily injury coverage for accidents caused by a hit-and-run driver or uninsured driver which occurs when you or your family are driving a covered auto, or while you are a pedestrian. In some states, uninsured motorists protection also covers property damage. Underinsured Motorists Coverage pays for damage you are legally entitled to recover from another party when that person's liability insurance is not adequate to cover your loss.

Medical Payments Coverage

Medical Payments Protection - This coverage pays reasonable medical expenses for you or members of your family if you are injured in an auto accident or as a pedestrian struck by an auto. This protection is extended to others who are injured while occupying your auto.

Collision Coverage

This coverage pays for damage to your car as a result of a covered accident with another car or a covered collision with most anything else (e.g. a tree). This coverage provides for the repair or replacement of your insured vehicle, up to the Actual Cash Value of the vehicle. Actual Cash Value takes into account depreciation of your car due to: age, use, and wear and tear.

Comprehensive Coverage

Comprehensive Coverage covers damage to your insured car not caused by collision . This coverage typically includes, among other things, damage caused by falling objects, fire, theft and vandalism, explosion, earthquake and more.

Personal Injury Protection Coverage

Personal Injury Protection - This provides coverage for injury, death, loss of services and loss of income suffered by you, your covered passengers, or covered family members (for those who reside in states with no-fault insurance laws.)