Automobile Insurance — Taking Care of Your Vehicle

We all know our cars, trucks, and SUVs are important to us. We name them, brag about them, and even identify ourselves with them. Whether pick-ups or sedans, economy or luxury, these vehicles come to take on their own distinct character, each with their individual insurance needs. Luckily, whether you have a Prius or a Mustang, a Corvette or a clunker, the basics of auto coverage remain remarkably similar. It is, however, essential to be sure you both have and understand the necessary coverage for your vehicle.

Auto insurance is about far more than just fixing your vehicle in the event of an accident; it’s about peace of mind. Your collision coverage will pay to repair your own vehicle if it’s damaged in an accident. Additionally, if it’s deemed a total loss (costing more to repair than the vehicle is worth), your collision coverage may even pay you up to market value for the vehicle. Comprehensive insurance, on the other hand, will take care of damages due to non-collision incidents such as hail, falling rocks or tree limbs, and wildlife encounters, allowing you to rest at ease even in the midst of that unexpected hailstorm. Just as importantly, your liability insurance takes care of the property damage to other vehicles and the bodily injury damage to other drivers in the event of an accident in which you are at fault.

What about those times when the other driver isn’t insured? With uninsured/underinsured motorist coverage, you can feel safe knowing your own policy will cover you even if the other driver’s insurance isn’t enough. Your automobile insurance can also ensure you are covered for towing and roadside assistance, rental cars while your vehicle is being repaired due to a covered claim, medical payments for serious injuries sustained in at-fault accidents, and much more. With all these coverage options, you can feel confident that you’ll be taken care of for all sorts of driving-related mishaps.

If you would like more details about the type of coverage that might work best for your needs, or if you would like a quote, please call Ken at 303-730-2886.