Choosing the right auto insurance coverage can be a confusing experience for most people. Itís easy for to make mistakes with so many coverage options to choose from, some of which could quickly lead to drastic consequences against your financial stability and well-being. The value of good auto insurance doesnít become apparent until you really need it. That is when you find out that the numbers mean something. Whether it is a minor fender-bender or a major accident, it pays to have the right coverage. Our agents can offer you the best auto insurance in Cabot, AR, that fits your individual needs, at a rate that fits your wallet. We will explain what you are buying and why you need it.
Liability coverage (bodily injury & property damage) is the most important coverage and is mandatory in Arkansas. Basically, if you cause an accident, hurt someone or damage someone's property, liability coverage can pay for covered damages and for your defense if a lawsuit results.
Collision coverage helps pay for damage to your vehicle if your car hits another car or object, is hit by another car, or your vehicle rolls over.
Comprehensive coverage helps pay for damage to your vehicle that is not caused by a collision. Examples include theft, vandalism, hitting a deer or other animal, lightning, storms, etc.
Personal injury protection (PIP) pays for medical expenses to the driver and passenger(s) of your vehicle. In some cases, the PIP pays for lost wages and could pay for accidental death, regardless of who is at fault in an accident.
Uninsured/underinsured motorist coverage can help pay for damages to your vehicle and your medical expenses resulting from an accident caused by someone who has no insurance or inadequate insurance coverage.
In addition to these basic forms of coverage, you can choose from a host of optional coverages to create a customized auto policy that meets your individual needs. At Childress Insurance Agency, we make you and your unique needs our priority!