Getting auto insurance as a car owner is necessary. Accidents happen, many of which can lead to expensive repair costs. Auto insurance can provide financial protection from high accident-related expenses. Selecting a policy may be challenging, which is why the McCune & Reed Insurance agents are here to help. 

What Is Auto Insurance? 
Auto insurance, or car insurance, is a standard coverage that car owners get to reduce out-of-pocket costs following an accident. Policies often require you to pay an insurance premium to your carrier in exchange for financial help after a covered accident happens. Your insurer may require you to pay a deductible, an expense you must cover before insurance can assist you. 

What Does Auto Insurance Cover? 
Auto insurance differs among policyholders. Most policies include liability insurance to insure you against bodily injuries and property damage. Additionally, some coverage options included in your policy might be: 

• Medical payments (MedPay)
• Personal injury protection (PIP)
• Collision coverage
• Comprehensive coverage
• Uninsured/underinsured motorist coverage 

The agents at McCune & Reed Insurance can assist you in learning about policy customization options. 

Do I Need Auto Insurance? 
Iowa law requires all drivers to have liability insurance at a minimum. However, carrying additional coverage options can provide financial protection against various incidents. It may be challenging to cover accident-related costs without auto insurance. 

Where Can I Find Coverage? 
If you are a car owner near Ottumwa, Iowa, the knowledgeable agents at McCune & Reed Insurance can help you learn about auto insurance and select the right coverage for you and your vehicle.  

Call our agency today at 641-682-8027 to request a quote on a policy.