Essential Questions to Ask Your Auto Insurer
Get the answers to these important auto insurance questions.
As a car owner, you understand the importance of having comprehensive auto insurance. However, this may be all that you know about car insurance coverage. This is why it’s so important to work with a trusted insurance agent so you can make more informed decisions. If you want to get the right coverage to meet your needs, then get the answers to these important auto insurance questions.
What coverages are most important?
Almost every state in the U.S. requires drivers to carry some minimum amount of liability coverage. However, simply meeting these insurance minimums is not enough to protect you from all the risks that you face. Typically, auto insurance providers will advise drivers to carry the following coverages:
- Bodily injury liability
- Property damage liability
- Collision
- Comprehensive
- Uninsured/underinsured motorist
- Personal injury
What is a deductible?
Your deductible is the amount of money that you agree to pay towards a car insurance claim before your coverage kicks in. The higher the deductible you assume, the lower your premiums will be. This is why insurance experts recommend setting your deductibles as high as you can comfortably afford to maximize savings. Just be careful not to set your deductibles too high as you could risk not being able to access your insurance coverage when you need it the most.
How do I file a claim?
If you’ve been in an accident or your car sustains damage during a non-collision event, then filing a claim as soon as possible is your best bet for getting all the coverage that you need. This is why you should know how to file a claim beforehand. When you understand the claims process, you can save time if you do ever need to file a claim.
Get the answers to these important auto insurance questions to ensure that you are making a good policy decision. Do you need assistance with your car coverage? If so, then contact the experts at Remalnd Insurance in Orange, California. Our dedicated team is eager to serve you today.
