Auto Insurance

Owning and operating a vehicle doesn’t just expose you to risks of physical harm—it exposes you to financial vulnerability, too. At Skogman Insurance, we are dedicated to helping you secure the coverage you need for peace of mind on the road.

Understanding Auto Insurance

Auto insurance is a contractual policy that offers financial protection against damages and liabilities arising from vehicle ownership and operation. While specific coverages vary depending on your needs and preferences, a basic auto insurance policy usually includes the following coverages: 

• Physical damage coverage may refer to collision and comprehensive coverages, which can protect your vehicle from damage or loss due to accidents, theft or natural disasters, covering repair or replacement costs in certain instances.
• Liability coverage may provide financial protection if you’re at fault in an accident, covering expenses for others’ injuries (bodily injury liability) or property damage (property damage liability), depending on the policy language.
• Medical payments (MedPay) coverage may cover expenses for you and your passengers in case of injury or an accident, regardless of fault, including hospital bills, rehabilitation, and sometimes funeral costs and lost wages.

The Importance Of Auto Insurance

Auto insurance is essential for covering repair costs, medical expenses and legal liabilities after accidents. It’s also a legal requirement in most states, including Iowa, for operating a vehicle on public roads. Overall, having auto insurance offers financial protection and peace of mind, allowing you to drive with confidence.

We’re Here For You

Contact Skogman Insurance today to explore your coverage options and get a tailored quote from us. Our team of experts is here to guide you through the process and ensure you get the best auto insurance solution for your needs.