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Auto Insurance Information
Cars are not only integral to many daily tasks and responsibilities, but they also represent significant financial investments. As a vehicle owner, you must address risks and exposures involving your automobile. If your car is damaged or you are at fault for an accident and liable for another party’s losses, the financial consequences can be devastating. With that in mind, having an adequate auto insurance policy is crucial.
What Does Auto Insurance Cover?
Although auto insurance may be one of the most common types of coverage across the United States, these policies can still be confusing or complicated. As a policyholder, you should understand the details, features and limitations of your coverage. In general, it’s advisable to include the following coverages in your auto insurance:
- Bodily injury liability—If you are at fault for an accident that injures another person, this coverage can help pay for the following:
- Death benefits (e.g., funeral costs)
- Property damage liability—This coverage can provide financial assistance to repair or replace third-party property losses for which you are responsible.
- Collision—By including this coverage in your policy, your insurance may help pay for damages arising from your vehicle striking another automobile or stationary object (e.g., buildings, fences, signposts).
- Comprehensive—This coverage can insulate you from financial losses if your vehicle is damaged by perils not included in collision coverage, such as the following:
- Falling objects (e.g., rocks, tree limbs)
- Medical payments (MedPay)—If you or your passengers are injured in an accident, this coverage can help pay for your medical costs regardless of whether you were at fault.
- Uninsured/underinsured motorist coverage—This coverage can recoup your losses if another party is at fault but lacks sufficient auto insurance.
How Much Auto Insurance Do I Need?
In many cases, the law requires you to carry auto insurance with minimum liability limits. Amounts may vary among states. Additional coverage may be required, so check your state’s requirements before getting behind the wheel. Furthermore, maintaining an auto insurance policy with additional coverage and limits over legal mandates is strongly advised. Even a single accident can lead to significant losses. Without adequate coverage, your out-of-pocket costs could be catastrophic.
How Long Does Auto Insurance Last?
In most cases, insurers issue auto insurance policies for either six months or a year. By paying your premiums regularly (e.g., monthly) and avoiding any violations of your contract, you help ensure your coverage will be there if you need it. After the term of a policy has started, insurance companies generally cannot raise your rates; however, they may do so upon renewal. Insurance companies will usually renew your policy automatically unless you notify them otherwise.
How Far Back Do Auto Insurance Companies Look?
Your driving history is critical in determining how much you will pay for coverage. Even if you are similar to another driver in every other way, you will likely have to pay more for the same coverage if you have accidents or violations on your record. Insurance companies will generally research your driving history from the past three to five years.
Get the Right Coverage
At Miller Farrell Insurance Agency, our coverage experts have the knowledge and experience to help you acquire and maintain optimal auto insurance. We will work with you to assess your needs, explain your options and craft ideal policies. Contact us today to get started.