Driving is a privilege that comes with great risk. Car insurance not only keeps you legally compliant with state regulations for drivers, but it can also help protect you against the financial dangers of operating a motor vehicle. Whether you spend only a few hours behind the wheel each week or several hours per day, accidents can happen at any time. Would you be prepared?
At Feldbruegge Insurance, we know the devastation an accident can cause. We also know that even the safest drivers can succumb to slick roads, unpredictable wildlife, and simple mistakes with major consequences. Time and time again, drivers discover far too late that their auto insurance does not protect them the way they expected. Our goal as your independent insurance agency is to help you understand your coverage and point you toward a policy with well-rounded protection at an affordable price.
Understand Your Auto Coverage
No one should be caught off guard after an accident, but many are. Could you afford to purchase a new car to replace yours if it were totaled in an accident? That is exactly what could happen if you choose a liability-only policy. Could you afford to pay $150,000 for victim medical bills, property damages, and lost wages if you injure someone in an accident? This could become your reality if you choose low-limit auto insurance protection that leaves you vulnerable to expensive litigation.
It is important to educate yourself about your coverage. Working closely with your agent, you can assess your individual coverage needs by determining the value of your vehicle, the cost of getting medical care after an accident, your overall risk of accidents, and how much you could lose in a lawsuit. We can walk you through the various coverage types on your policy, answering any questions you may have about policy components so you can make educated decisions about your auto insurance.
Auto Insurance Coverage Types
Many auto insurance companies are competing to insure your vehicle. Coverage types can vary depending on the insurer, and there may also be custom auto coverages available that are unique to the insurer, such as new car replacement. However, there are certain types of coverage that are offered by nearly all auto insurers. A bare-bones policy may offer only a few required coverages with low coverage limits. This could leave you vulnerable to loss. At Feldbruegge Insurance, we typically recommend a more extensive policy with multiple coverages to help mitigate your risks.
If your vehicle is damaged in a collision, auto insurance can help pay for repairs, whether you were at fault or another driver damaged your vehicle. In most cases, collision insurance requires a deductible. This is the amount you agree to contribute toward the cost of repairs when you need to file a claim.
Comprehensive coverage protects your vehicle against damages caused by non-collision events. For example, if you hit an object in the road or your windshield is shattered by a rock, comprehensive can help cover the damages. From hail dents to vandalism, this coverage can spare you the cost of repairs or compensate you for your vehicle’s value if it is deemed a total loss. Like collision insurance, comprehensive coverage is generally subject to a deductible.
Rental Car Coverage
When an accident lands your vehicle in the body shop, you may need alternative transportation for your commute. Rental car coverage can help take the sting out of renting a car until your vehicle is returned to you or you find a replacement.
Passenger and Driver Injuries
If you and/or your passengers are injured while operating or riding in your vehicle, auto insurance can help cover the cost of necessary medical expenses. Talk to your agent to learn more about medical payments and personal injury protection.
When another driver is responsible for an accident that caused you injury, their liability insurance should cover your losses. If the at-fault driver is uninsured or has too little coverage to pay for your medical expenses, uninsured motorist or underinsured motorist coverage can help pay for outstanding damages.
No one wants to break down on the side of the road. After all, calling for a tow truck, fuel delivery, flat tire assistance or some other support can be costly. If you are not familiar with your surroundings, it can make things even worse. Many insurers offer roadside assistance to help cover the cost of calling for help.
Liability insurance is mandatory for drivers. It covers third-party bodily injuries and property damages when you cause an accident. It can also help cover your legal fees if you are sued for compensation for damages. Note that the low liability limits required by law are often no match for an auto accident-related lawsuit. If your liability coverage is insufficient to cover your financial responsibility, you may have to pay excess damages out of pocket, whether that means dipping into savings or liquidating assets. For this reason, we recommend talking with your agent when selecting your coverage limits.
Request a Custom Auto Insurance Quote
At Feldbruegge Insurance, we can help you compare auto insurance options, answer your questions, and provide assistance choosing a policy that fits your needs. We can also spotlight discounts that may help you save, including safe driving discounts and savings for staying claims-free, completing a defensive driving course, or purchasing additional lines of coverage from the same insurer.
To learn more about how an independent agent can help you save on auto insurance, contact our office today.