If you drive, you need auto insurance coverage. This helps to cover you in the case of an accident. There are several different options and coverage packages that you can choose from. You can contact us and we can advise you on what insurance coverage would be right for you.
If you are in an automobile accident, regardless of who is at fault, collision insurance provides protection to replace or repair your vehicle, subject to a deductible.
Comprehensive Insurance to Choose
In the event of hail damage or a tree limb falling on your vehicle, risks not involving an automobile collision, this coverage insures you. Comprehensive coverage pays to repair your vehicle, subject to a separate deductible.
Personal injury protection
This type of insurance coverage is for medical and other expenses resulting from an automobile accident for the people specified in the policy, regardless of who is at fault in the accident. By having the proper insurance policy, you can protect yourself in the case of an accident.
Bodily injury and property damage liability coverage
The insurer agrees to pay damages if you injure someone or his property in an auto accident. With so many different options to choose from, make sure to contact us and we can advise you on the options. We can also recommend which one would be right for you.
Uninsured and underinsured motorists liability coverage
If you are in an accident with another driver who does not carry any or enough liability coverage, uninsured or underinsured motorists liability coverage allows you to collect damages that you personally experience from the accident. Increasing your liability limits and your deductibles may be appropriate for you if you have cash reserves. The additional liability coverage raises your premium; however, increasing your deductibles helps offset those additional costs. In fact, increasing your deductible from $250 to $500 could reduce your collision and comprehensive coverage premium by 15 to 30 percent. Going up to a $1,000 deductible could save you about 40 percent.You buy insurance to cover big financial risks. If you are involved in a major accident and cars are totaled, people are injured or killed, and property is damaged, the total financial impact could be hundreds of thousands, if not millions, of dollars. The liability benefits on your automobile policy help to protect you from this financial devastation. You cannot afford to skimp on liability coverage. If you have a much older vehicle or drive your vehicles until they drop, a time will come when maintaining collision and comprehensive insurance coverage is not financially worthwhile. A general guideline is to drop collision and comprehensive coverage on vehicles worth less than ten times the cost for that portion of your auto policy. Do not drop your liability coverage under any circumstance, your old clunker can still wreak havoc in an accident. Make sure to know the laws of the state regarding insurance. That way you will follow the proper regulations for the insurance policies, your home, and your auto.