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Auto insurance is purchased to provide coverage for private passenger automobiles, vans, SUVs and trucks. There are two main components of auto insurance.


The first component of the auto insurance coverage is liability insurance. Liability coverage pays for bodily injury and property damage to the person(s) in the other car(s). Without liability coverage, a person opens themselves up to lawsuits from the injured parties that can deplete their assets that they own.


The second component is called physical damage. This protects the policyholder from damages to their own vehicle. The first coverage in physical damage is called comprehensive or other than collision. This protects the policyholder’s vehicle from such risks as hail damage, deer/animal hits, fire, theft, vandalism, and glass breakage among others. The second coverage is called collision. This covers the vehicle from upset and colliding with any other vehicle or object. Physical damage coverage is subject to a deductible, which is the amount the insured is responsible to pay before the insurance will pay for any claim.

Contact a representative from Van Handel Insurance Agency, Inc. today for more information on Auto Insurance offered in Wisconsin or click here to get started now.