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Quirk Insurance has the experience to analyze and recommend the correct auto insurance coverage for you and your family.
Bangor, Maine's Leading Auto Insurer Has You Covered
When you buy an auto insurance policy, you are buying a package of individual insurance coverages. Each coverage protects you against different types of losses. Once you understand the various coverages, you can decide which ones to include in your personal auto insurance package.
Auto Insurance Coverage Types
Bodily Injury Liability
Pays for damages due to injury or death of others in a vehicle accident for which you are legally responsible. It also pays your legal defense costs. Required in most states.
Collision Coverage
Pays for damage to your vehicle caused by a collision or rollover. Usually required if you have a vehicle loan.
Comprehensive Coverage
Pays for damage from theft, fire, vandalism, flooding, hail, or other perils — everything except collision. Usually required if you have a vehicle loan.
Uninsured / Underinsured Motorists
Pays for bodily injury to you or your family resulting from someone whose insurance limits are insufficient or who has no insurance at all.
Medical Payments
Pays for doctor, hospital, and funeral expenses for you and your passengers injured in an auto accident, regardless of who is at fault.
Property Damage Liability
Pays for another individual's vehicle or property damaged in an automobile accident for which you are legally responsible. Required in most states.
Rental Reimbursement
Pays for rental vehicle charges while your vehicle is being repaired for damage covered under your auto insurance policy.
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