Auto Insurance

Driving is a privilege, and when you drive in Indiana, you need to abide by the laws in the state. One of the laws is that you have to carry basic auto insurance on your vehicle. At Hoosier Hills Insurance Agency, we are an independent insurance agency with a team of experienced agents who know how to provide our customers with the guidance they need to choose the auto insurance that is right for them.

Basic coverage

Basic coverage in Indiana is 25/50/25. This is $25,000 for the first injured person in an accident, with a total of $50,000 for all injuries in this particular accident. The second $25,000 is for property damage to the other vehicle. With basic insurance, your car gets no protection. It is strictly liability coverage.

Optional Coverage

Protecting your vehicle is crucial if you are not in a position to pay for repairs or replacement of your vehicle. It is also coverage that you need to have if you have an auto loan or are leasing your vehicle.

Collision

Collision coverage is just that, the coverage that protects your vehicle if you are responsible for an accident or are in an accident with someone uninsured, underinsured, or hits you and runs.

Comprehensive

Comprehensive coverage covers lots of things other than a collision. It covers your vehicle for theft and vandalism. It protects your windshield and the other glass on your vehicle. It also protects you from damage caused by weather, such as high winds, flooding, and hail.

Gap coverage

This will pay the difference between what you owe on your vehicle and what you collect in a total loss situation.

Contact Hoosier Hills Insurance Agency if you need to have auto insurance in Indiana, and we will make sure that you are in compliance with the law and have the auto insurance that is the perfect fit for you.