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Auto Insurance Information
What is auto insurance?
Auto 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.
Auto insurance provides property, liability and medical coverage:
- Property coverage pays for damage to or theft of your car.
- 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.
An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.
Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.
Why do you need auto insurance?
It's really all about protecting yourself financially.
- If you're in an accident or your car 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 car 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, many states require you to have at least some coverage.
Questions to ask your agent
Your Independent Agent is an advocate for finding auto 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.)
How Much Insurance is Enough - Auto Chubb Insurance Video >
Auto insurance blends several types of coverage into one policy. Typically, your policy will include some combination of comprehensive, collision, medical, liability and uninsured motorist coverage.
So what do you need? It depends on your specific situation. Liability pays for the damage you cause to others if your car is involved in an accident. It also protects you from being wiped out financially if you are sued following an accident. The greater your assets, the more you stand to lose. If you have substantial financial resources, you may need liability coverage that exceeds the coverage that you'll get from an auto insurance policy. In that case, a Personal Umbrella can provide the extra liability protection you need.
Collision covers damage to your car from an accident. We can help you decide whether or not to carry collision coverage by balancing the cost of collision insurance with the value of your car. It might not be worth paying $200 a year for collision insurance on a car that's worth only $1,000. But if the car is worth $10,000, you probably want this coverage.
Comprehensive coverage pays for your car if it is stolen, vandalized or damaged in some way other than in a collision. Medical coverage provides for medical expenses to you and your passengers that are the result of an accident. The way you use your car may make a difference in the amount of medical coverage you need. For example, we might suggest more coverage for a parent who regularly takes a carload of kids to soccer practice than for a driver who expects to drive mostly alone.
Keep in mind that many states require certain minimum levels of coverage. We'd be happy to talk with you about these and other factors.
Choosing the right auto insurance can help protect you from the risks associated with the road.
Insurance for Individuals View Video
You need to protect yourself should your vehicle be damaged or stolen. Just as important, you need insurance for liability - property damage or injury to others caused by you and other household members as a result of operating a motor vehicle. Other policy features include medical payment reimbursement and reimbursement for injury caused to you by an uninsured or inadequately insured driver. There are many special situations where you may need to customize your policy; examples include installation of custom audio equipment, business use of your auto and teenage and guest drivers, to name a few.
To properly protect yourself from the always present danger of huge awards for auto liability, it is imperative that you maintain the proper level of coverage for your particular situation.
If you or someone you know have any doubts about the appropriate level of automobile coverage that's right, we have excellent plans available through reputable auto insurers, and we will be happy to help pinpoint the coverages best suited to your needs.
Compulsory Auto Policy Coverage
- Bodily Injury to Others
- Personal Injury Protection
- Bodily Injury Caused by Uninsured Auto
- Damage to Someone Else's Property
- Optional Bodily Injury to Others
- Medical Payments
- Substitute Transportation
- Towing and Labor
- Bodily Injury Caused by an Underinsured Auto
How safe is your car find out here?
Smarter solutions for better cars.
You didn't choose an ordinary car. Why try to protect it with mass-market insurance?
Compared to cut-rate policies, our agency can save you substantial out-of-pocket costs in case of an accident or loss. In fact, we can provide you, your family, and your assets with a level of financial protection and service not always offered from other companies.
Auto Insurance Basics
State Law Updates
After an Accident you can't change your coverage!
Vehicle Resources Include:
- Driving Safety Tips
Safe driving habits can protect you, your passengers and your vehicle. We give you the facts about safety equipment, and we keep you informed about the most important driving safety tips and vehicle resources, including how to handle accidents and emergencies, how to keep your family safe when you're on the road, and more.
- Vehicle Ownership Information
Proper vehicle ownership means taking care of your vehicle for the long haul. We provide vehicle resources like recall notices and crash test videos, plus we offer vehicle insurance and ownership tips to protect your investment from theft and harsh weather.
- Vehicle Shopping
Our interactive financial calculators and vehicle shopping tips can help you make informed choices when you're shopping for a new car. We also offer useful vehicle resources to help you spot damage when you're in the market for a used car.
- Weather Driving
Hurricanes, hail, tornadoes, flooding — these and other extreme weather conditions can threaten your driving safety and damage your car. Learn how to prepare for hazardous weather and help minimize the damage to your vehicle using our weather driving safety tips.
- Seasonal Driving Safety Tips
Our seasonal driving safety tips and vehicle resources can help you and your loved ones remain safe and sound every time you hit the road.
Filing an Auto Claim