You’re legally required to have auto insurance, but what exactly does it entail?
With all the agencies and policies available out there, we know insurance can feel overwhelming. Let’s take a closer look at auto insurance to help you understand what’s included and what to consider when purchasing.
What auto insurance covers
Auto insurance protects you and your assets in case of loss, injury, or damage, whether it was caused by you or someone else. Auto insurance typically includes these protections:
- Liability – In case you are found at fault for damages to another
- Collision – In the event that your car is damaged by a collision
- Comprehensive – If your car is damaged by anything other than a collision
Auto insurance plans may also include:
- Medical payments if you have to pay for an injury for yourself or a passenger
- Emergency road service if you are ever stranded in your vehicle
- Uninsured motorist protection – because even though the law says auto insurance is mandatory, that doesn’t mean that everyone will have it.
It’s important to note that insurance providers are very different when it comes to structuring a policy that covers you based on your unique circumstances. Before making a purchase, consider these questions:
- Do you have maximum medical coverage in case you hurt someone else?
- Do you already have medical coverage?
- Do you want access to a rental car while your car is in the shop?
When choosing an insurance agency, consider price, coverage, and trust. Looking through policy options and preparing for unpleasant scenarios can be overwhelming. Make sure you choose a company with agents who understand your concerns, listen to your questions, and truly have your best interests at heart.
At Crunelle Insurance Agency, we’re your neighbors. We protect people we know and care about, and that means we always look for ways to offer better protection, including carefully choosing the insurance companies we represent to be both affordable and responsive.