In most states, it is required that drivers carry adequate coverage on their vehicles and proof of insurance inside your vehicle at all times.
Everyone needs coverage.
Here at LKT Dynasty Group we provide a wide range of auto insurance products and have the capabilities of finding you the best price for your needs. We believe that our clients should understand their coverage and their needs.
Collision and Comprehensive Coverages:
Collision and Comprehensive coverages pay for damage to your vehicle.
Collision coverage insures you against damage to your vehicle caused during an accident.
Comprehensive coverage insures you against all other physical damages to your car.
You will have a range of deductibles to choose from, usually from $100 to $1,000, higher the deductible the lower the premium. The insurance company will only pay for the damage in excess of the deductible you chose.
It pays for injuries you cause to other people and damage you cause to other people's property when you are at fault in an car accident.
Medical Payments Coverage:
Medical payments coverage pays for medical expenses for you and your passengers of your car who are hurt in a car accident, no matter who is at fault. If you and your passengers have health insurance, you may not need this coverage.
Personal Injury Protection:
Personal Injury Protection pays for things like medical and rehabilitative expenses, replacement services and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work. Some states require Personal Injury Protection, which many know this coverage as no-fault coverage.
Uninsured/Underinsured Motorist Coverage:
This coverage pays if you are in an accident with a hit and run driver. It also pays if you are injured by a person who is completely uninsured or doesn't have enough liability Insurance to cover your injuries.