Don't leave everything to chance; keep yourself protected with an insurance
Almost every driver in the United States is required by law to carry auto insurance. After an accident, auto insurance can protect you from financial devastation, pay to repair your vehicle and cover your medical expenses.
The simplest explanation of auto insurance is that it agrees to pay all or part of the costs associated with an accident, theft or other cause of damage to your car. Auto Insurance is a must have as it helps ensure you are financially protected incase of damages to your vehicle, associated medical expenses and damages to third party.
Liability Coverage
You cause a minor collision when glare from the setting sun blinds you in rush hour traffic. Damage is relatively minimal, but the other driver says her neck is in pain.
Liability insurance coverage pays for bodily injury and property damage to another that results from covered losses you cause.
Insured’s Damage Coverage
You’re on your way to a ski weekend when you lose traction on an icy road — the impact when you slide into a guardrail damages your SUV’s front fender.
Collision coverage can help repair your vehicle if it’s damaged — or compensate you for its value if it’s a total loss.
Hailstorm Coverage
A sudden hailstorm cracks your car’s windshield and leaves dozens of dents on the hood, roof and trunk of your vehicle.
Comprehensive coverage can help when your car is damaged by something other than a collision.
Uninsured Driver Coverage
You suffer minor injuries when another driver runs a red light and clips your car’s rear fender. On top of it all, the driver doesn’t have auto insurance.
Uninsured motorist coverage covers the costs of your bodily injuries — up to your policy limit – when they are caused by an at-fault driver without any auto insurance.
Medical Payments Coverage
Your son and a passenger are both injured when his subcompact hits a tree.
Medical payments coverage can help with medical expenses if they’re caused by a covered accident — regardless of fault.
These are the different types of auto insurance coverages you should be aware off
The other type of optional coverages you can have is GAP insurance, Roadside Assistance, Glass Insurance, Mechanical Breakdown,Rental reimbursement & many more.
Auto insurance is important because it is financial protection in case you get into a car accident and damage someone else’s vehicle or injure them. Auto insurance can also protect your vehicle from damage caused by an accident or a different covered peril, like falling objects, fire, or theft.
If you don’t have auto insurance for you and your vehicle, depending on the state you live in, you could potentially be breaking the law. Driving without insurance could result in fines and license suspension.
Every car insurance policy is actually made up of several different coverage components, all of which provide important types of protection. Each type of coverage is important, however not all coverage components are required by law. Every state has its own rules about how much auto insurance is required. You can choose the right one after consulting with us.
It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options
If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.
Contact us today to help you with multiple options to choose from.
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