Personal Auto Insurance Bloomington, IL
Get your Finances in Order with an Insurance Policy Today.
After an auto accident, you shouldn't stress about what will become of your car or your finances. Call your local independent agent at Mid-America Insurance and we'll take care of you under the stipulations of your policy with us.
When do I need to look for a personal auto insurance policy?
There are a few typical reasons why you should be looking for new personal auto coverage:
- you've purchased a new, registered automotive vehicle
- one of your children/dependents has started driving a car of yours
- your spouse is going to start driving a vehicle of yours
- you are at the end of your current policy and would like a better rate or coverage
Personal Auto Insurance: Types of Coverage
Personal auto policies from Mid-America are offered to residents of McLean County and Livingston County, Illinois. We have offices in both Bloomington and Pontiac! We believe all of our neighbors should be educated on the basic coverages associated with personal property insurance.
Bodily Injury Liability
In the case you cause an accident that injures someone else, you are legally responsible for their expenses. Bodily injury liability coverage will help pay their medical bills. In the case of a lawsuit, it can also help to pay your defense and court costs.
Property Damage Liability
In the case you cause an accident damaging someone's property, you're legally responsible for the cost of repairs or replacement. Property damage liability coverage is required by the state of Illinois and helps pay for these expenses as well as covering possible court costs.
*Please note: Illinois requires a minimum amount of coverage for each driver. We can help you determine the amount of coverage necessary for your current situation.
Additional Coverages for Personal Auto Policies
Collision coverage helps you repair or replace your vehicle due to an accident, whether or not you were at fault. The insurer will pay the cost of the repair to your vehicle or its comparable value (if deemed totaled).
**Collision coverage is optional in Illinois, however, if your vehicle is financed or leased, the lender might require you to prove that you carry this coverage.
Comprehensive personal auto coverage helps pay for the loss or damage to an insured vehicle not caused by a collision or vehicle accident. Coverage is often subject to a deductible and a few causes of loss. Common included types of damage are:
- hail damage,
- falling objects,
- or theft.
We'll go over the coverages and limits at the time of signing your policy.
Bodily Injury Liability for Uninsured/Underinsured
Uninsured bodily injury coverage can help pay expenses for you in the case of an accident. Uninsured motorist coverage applies if the other driver was at fault and did not have current insurance or doesn't cover the full amount of damages.
Property Damage Liability for Uninsured/Underinsured
Occasionally in auto accidents, the other driver doesn't have insurance or sufficient coverage to pay for damages. In this case, uninsured motorist property damage can help pay to repair or replace your car if it is damaged in an auto accident.
Any reasonable and related medical expenses that result from a business auto accident will be covered under this optional coverage.