The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
An auto insurance policy is a contract between you and an insurance company. You pay a premium and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Our team of insurance professionals can help you determine the best coverage for your needs.
Auto insurance requirements vary by state. In some states, to drive you must carry:
- Liability coverage to pay for losses you cause others.
- No-fault coverage to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault.
- Both liability and no-fault coverage.
We write insurance in many states and would be happy to help you ensure you have the right car insurance coverage.
Even in states where coverage isn’t required, by law drivers must be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:
Collision coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher your deductible you’re willing to pay, the less the collision coverage will cost.
Comprehensive Insurance (Other than Collision)
Comprehensive insurance covers damage done to your car in some way other than a collision, such as if were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) If your car is financed, you may be required to have this policy.
Every person is unique and so are your auto insurance needs – talk to us today to find out how to get the best price and value on car insurance for you.