Do I need auto insurance?

It depends where you live. Most states require you to carry auto insurance if you own a car. In others, you must be able to pay for any damages from an accident out of your own pocket. A professional insurance agent can explain which coverage you need (different states have different requirements) and how they differ.

What do all those terms mean on my auto policy?

If you have any questions about any of the terms below or on your policy, contact us. We are a professional insurance agency and can help you answer most questions.

If my car is old, do I still need full coverage?

It’s up to you. A professional insurance agent can help you decide. Full coverage typically includes both liability and physical damage (collision and comprehensive) coverages. If you would replace rather than repair your damaged vehicle, physical damage coverage is probably not necessary.

At some point, a vehicle loses enough of its monetary value to make the collision and comprehensive premiums unreasonable. Even old clunkers can cause tremendous monetary damage to others in a crash. That’s why even if you decide not to carry physical damage coverage on your vehicle, you are required to carry liability insurance.

What determines my auto insurance rate?

Actuaries assess the risks for driver categories based on a variety of criteria, including age, gender, driving record, the type of car you drive, and the number of miles driven for business, pleasure, or commuting. In addition, certain makes and models of vehicles fare better in accidents and are less prone to theft than others, resulting in lower premiums.
When shopping for a new vehicle, be sure to compare premium rates. You could save hundreds of dollars (or pay more than you expected), depending on your selection. To get the best rate, be sure to ask your insurance agent if you’re eligible for any premium discounts. Many insurers offer a discount if you remain claim-free for a certain number of years or if you insure multiple vehicles with the same company.

What should I do if I’m in an accident?

To ensure people’s safety, reduce the possibility of further damage, and expedite the claims process:
1. Provide reasonable aid and comfort to injured individuals. Warn other drivers of the situation with emergency signals, flares, flags, or raised hoods.
2. Call police and appropriate emergency vehicles.
3. Unless it poses inevitable danger to others, do not move your vehicle until the police arrive.
4. Get details about other vehicles involved, including names, license plate numbers, insurance companies, and vehicle makes and models.
5. Record accident information, such as date and time, exact location, and road and weather conditions. If possible make a diagram of the situation and take photos. Some drivers keep a disposable camera in the glove compartment.
6. Exchange names, phone numbers, and license plate numbers of witnesses.
7. Do not admit responsibility or discuss who was at fault.
8. Take photos if possible. Some drivers keep a disposable camera in the glove compartment.
9. Notify your insurance agent or contact claims department to report your accident directly.