Buying auto insurance for the first time in Byram, MS can be confusing. Learning how to read the parts of the policy is essential so you can understand your coverage. When you buy auto insurance from Riverside Insurance Agency Inc., our agents will work with you to determine coverage levels and help you understand your policy.
The Major Sections
When buying auto insurance, you’ll see several different types of coverage. Some are mandatory, while others are optional. Among the sections you will see are:
- Liability – for bodily injury and property damage
- Medical payments – provides coverage for medical and hospital treatment for injured passengers
- Uninsured/underinsured motorists – covers your medical expenses and sometimes
- Collision – pays for the damages to your vehicle when another one hits it
- Comprehensive – pays for damages caused by hitting an animal, object hitting or falling on your vehicle, and similar circumstances.
Mississippi requires all vehicle owners to have minimum liability coverage for bodily injury and property damage. Optional coverages are collision, comprehensive, and uninsured/underinsured motorists. Most policyholders have at least one optional coverage to provide peace of mind if an accident occurs.
Understanding Your Declarations Page
Policy owners will find a summary of their coverage information on the declaration page. You’ll see basic information such as the policy number, policy terms (usually 12 months), and the company and agency information. Other pertinent information includes your name, the make and model of your insured vehicle, including its VIN, the premium, and any applicable discounts. This page will also list coverage amounts for mandatory and optional coverage types.
Reach Out To Us
You can trust Riverside Insurance Agency Inc. in Byram, MS to provide quality auto insurance that will meet your needs. Contact us today to get started on your quote.
