Auto Insurance
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company.
You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Auto Insurance Provides Physical Damage, Liability and Medical Coverage
Physical Damage Coverage pays for damage to or theft of your vehicle
Liability coverage pays for your legal responsibility to others for bodily injury or property damage, up to your policy’s limit
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses up to your policy’s limit
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.
Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and pay your premium.
Why do you need auto insurance?
If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
If you or any passengers are injured in an accident, medical costs can be extremely expensive.
If you or your car is responsible for damage or injury to others, you may be sued for much more than your worth.
Not only is having insurance a prudent financial decision, many states require it by law
Questions to ask us!
Here are a few things to consider as you prepare for the discussion:
How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
What is the insurance company's level of service and ability to pay claims?
What discounts are available? (Ask about good driver, multiple policy, and student discounts.)
What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)
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