Auto / Vehicle Insurance

Because everyone’s needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

What is Vehicle Insurance?

Vehicle 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.

Vehicle insurance provides property, liability and medical coverage:

Property 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.

Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

A Vehicle Insurance policy is comprised of many different kinds of coverage. Most states require you to have some, but not all, of these coverage options. If you’re financing a vehicle, your lender may also have requirements. Most vehicle policies are for six months or one (1) year. Your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium.

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Why do you need auto insurance?

It’s really all about protecting yourself financially.
If you’re in an accident or your vehicle 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 vehicle is responsible for damage or injury to others, you may be sued for much more than you’re worth.
Not only is having insurance a prudent financial decision, but most states also require you to have at least some coverage.

Questions to ask your agent

Your Independent Agent is an advocate for finding vehicle insurance that meets your specific needs. 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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